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Daniel Insurance Agency LLC

Alan Daniel has been a licensed insurance agent since 1984 and started his own business in 1985. In that time he has evolved his business into what is now Daniel Insurance Agency LLC, a highly resourceful network of independent agents who are licensed in all 50 states and do business with more than 100 highly rated life insurance carriers.

Underwriting Risk Guidelines / Health Ratings

Below is a basic guideline for underwriting in life insurance. It is important to note however that this information varies from life insurance company to life insurance company. This is not meant to provide exact underwriting criteria, rather as a guide to see where you may qualify. Our agents will take into consideration all your health related issues and can better access where you will be rated. Also there are some companies with more lenient restrictions in certain areas that may be available, so please be sure to consult with one of our agents. Also see our height and weight charts to meet company guidelines.

Parameter	Preferred Plus	Preferred	Regular/Standard
Family	No cancer or cardiovascular death of either parent or sibling before age 60.	No cancer or cardiovascular death of either parent before age 60.	No more than 1 cancer or cardiovascular death of parents before age 60.
Blood Pressure	140/85	150/90	155/95
Cholesterol Levels	Under 220, HDL: Less than 5.0	Under 250, HDL: Less than 6.5	Under 280, HDL: Less than 8.0
Health History	No history of major health conditions, such as, cancer, diabetes, heart disease.	No history of major health conditions, such as, cancer, diabetes, heart disease.	Some major health conditions allowed.
Driving History	No more than 2 moving violations in the past 2 years. No record of DUI or reckless driving in the past 5 years.	No more than 2 moving violations in the past 2 years. No record of DUI or reckless driving in the past 5 years.	No more than 2 moving violations in the past year. No record of DUI or reckless driving in the past 2 years.
Tobacco	No use of nicotine products in past 3 years.	No use of nicotine products in past 2 years, also preferred smoker rates available.	No use of nicotine products in past 1 year, also standard smoker rates available.
Substance/Alcohol Abuse	No history of alcohol or substance abuse.	No history of alcohol or substance abuse in the past 10 years.	No alcohol or substance abuse in the past 7 years.
Aviation	available with additional rider.	available with additional rider.	available with additional rider.