Banner life assurance is an example of the top Term Life carries in the country today. They have done a stellar job of targeting term life insurance products but have lately introduced some pretty nice permanent Universal Life Plans.

Below you may see a fairly comprehensive guide to life underwriting forBanner Term Life Insurance products and plans, this guide should help you in getting the best Banner Life quotes from your agent.

Banner Life Insurance Rate Classifications:
Banner Life Company currently has six rate classifications they offer their policy owners after a file goes through complete underwriting

Non Smoker Rate Classes:
Preferred Non Tobacco - Second best rate class
Standard And Non Smoker-
Standard Non Tobacco-

Preferred Smoker - Best Smoker rate class

Items that may determine if you qualify for any of the above rate classes with Banner Life Insurance:

Type I or Type II Diabetes, Caner of organs or any skin cancer.
* Blood Pressure: Must fall into a certain range 136/50 as an instance in the Preferred Best rate class, if medicine is taken must be well controlled and under Dr. * Family History: Looking for history of Cancer or Heart Disease in Parent's or siblings
* Tobacco Use : must know if any tobacco use in the last 3 years such as cigarette, chewing, nicotine patch, pipe and cigar.
* Cholesterol: If you don't know your current cholesterol, they will test for it at the paramedical exam.
* Cholesterol HDL ratio: this could be determined by the paramedical exam results
* Substance or Alcohol Abuse: Need to know if any during the past ten years in order to to qualify for the best rates.
* Aviation: If you may be a Commercial Pilot, Personal Pilot or Student Pilot please fill out the aviation questionnaire
* Avocation: Describe any avocational requirements that could be deadly i.e. Artic Cod Fisherman.
* Residence or Citizenship: Disclose if US voter, if not do you have permanent Visa or Green Card. Describe in detail to your Broker.
* Build : Your height and weight if an issue can affect can influence your premiums, please keep that noted when applying.

Describe any issues above with your agent or broker and it mostly helps to draft a cover letter with the help of your agent. The more the underwriters know about you and situation and what you are doing to boost your health for example. the better.

Other great Term Life Insurance articles and resources:
Guide to Banner Term Life Insurance