SIMPLE QUESTION, EASY ANSWER.
The lab results from a urine and blood sample these days can help the underwriters determine the proper risk category for the insured to be placed in. Insurers do vary on underwriting standards but it is critical to get both urine and blood along with access to medical records so the company can issue the policy correctly.
It is to YOUR benefit to go through medical underwriting because there is less “wiggle room” for the insurer to get out of paying a claim. To get the BEST possible rates available for your new policy contact me and I will email you the TOP 5 quotes in the USA. (855) 807-2890