Underwriting
Midland National's underwriting process and approach helps ensure decisions are being made fairly. Our trained and highly skilled staff of underwriters takes a holistic approach with their evaluations, and remains committed to making doing business with Midland National as easy as possible.
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Four underwriting myths debunked
When you apply for life insurance, your application will go through underwriting before your coverage is approved. During this process, the insurance company evaluates your risk profile and assigns you an insurance classification based on factors like gender, age, lifestyle, and health history. Often, your premium will be determined based on your assessed risk level. For example, if you’re a smoker, you may pay higher coverage rates than a non-smoker.
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