Is there a list of the specific lab tests each will require? Do they all require the same standard tests or are they different?
Unfortunately, I had a parent die of a heart attack very young, so I think I will need near perfect lab results to get a good rate.[/quote]
With that family history I’m pretty sure you can’t get Pref Best no matter how healthy you are. Certain carriers have underwriting niches and a good agent will know those
Once again, an agent that works with a agency that represents multiple carriers can ask some basic questions of your health & history and narrow it down to a few carriers. Some agents will actually take that info and get informal offers from 4-5 carriers to see which one you should take the application with.
