Medical Requirements for
Life Insurance at Oros Life
At Oros Life, we believe choosing life insurance should feel simple and personal—never stressful. Everyone’s needs are different, which is why we make sure your experience is tailored just for you. The underwriting process helps decide your eligibility, rates, and sometimes it may involve medical steps. But don’t worry—you’re always in control. Whether you’d like a full, detailed evaluation or prefer a quicker, no-hassle option, we have choices to match your lifestyle. Our goal is to make sure you find the right path, at your own pace, with support every step of the way.
What It Involves
At Oros Life, our traditional underwriting process takes a thorough look at your overall health to give you the most accurate coverage and rates. This approach usually involves filling out an application, taking a medical exam, and sharing your medical history for review. During the exam, a licensed professional will guide you through a few simple steps—like checking your height, weight, and blood pressure, along with basic tests such as blood and urine samples.
Why Choose It?
This option works best if you want the clearest picture of your health. At Oros Life, we use these detailed results to provide highly competitive rates, especially for individuals in good health. While the process is more thorough and may take a few weeks, it ensures your policy truly matches your personal risk profile. If accuracy matters to you and you have no major health issues, traditional underwriting could be the smartest way to get the best value with Oros Life.
Oros Life Advantage
We guide you at every stage, keeping your medical exam hassle-free and the process simple. We prioritize your comfort while delivering tailored coverage.
What It Involves
At Oros Life, accelerated underwriting makes the process faster by skipping the traditional medical exam. Instead, we review your application, check electronic health records (with your permission), look at prescription history, and may ask a few simple health questions or conduct a short phone interview. No needles, no waiting rooms—just a smooth, streamlined way to get covered quickly.
Why Choose It?
This path is perfect if you want coverage quickly without the hassle of a medical exam. It’s designed for healthy individuals with little to no medical history. At Oros Life, we use advanced technology to review your information and provide results in just days instead of weeks. That means faster approvals, with competitive premiums still available for applicants who present low risk.
Oros Life Advantage
With Oros Life, accelerated underwriting combines speed with reliability. Our cutting-edge tools ensure a fair evaluation, giving you peace of mind without the delay.
What It Involves
Non-medical underwriting with Oros Life skips the medical exam entirely. We base our decision on your application, lifestyle questions, and sometimes a brief health questionnaire. No blood tests or doctor visits—just a straightforward process designed for simplicity.
Why Choose It?
This option is ideal if you’re uncomfortable with exams or have a tight schedule. Oros Life offers non-medical underwriting for those with good health and no serious conditions, providing coverage without complicated steps. It’s faster than traditional methods and perfect for younger applicants or those renewing policies. However, it may come with slightly higher premiums due to limited health data.
Oros Life Advantage
At Oros Life, we make non-medical underwriting accessible and efficient, ensuring you get covered without the stress of medical evaluations.
What It Involves
Simplified issue underwriting at Oros Life requires an application and a health questionnaire, but no medical exam or extensive record review. Share your medical background, lifestyle, and family health, and we’ll determine which policies fit you best. It’s a middle ground between traditional and non-medical approaches.
Why Choose It?
This method suits individuals who want a balance—avoiding exams while still providing some health insight. Oros Life uses simplified issue underwriting to offer quick approvals, often within days, making it great for those with minor health issues or limited time. Premiums might be higher than traditional underwriting, but the convenience is unmatched.
Oros Life Advantage
Oros Life simplifies the process with clear questions and fast decisions, ensuring you’re covered without the complexity of a full medical review.
What It Involves
Guaranteed issue underwriting from Oros Life is the easiest option. There’s no medical exam, no health questions, and no review of medical records. You complete a basic application, and coverage is granted based on age and payment ability—guaranteed, with no health barriers.
Why Choose It?
This is a lifeline for those with pre-existing conditions, advanced age, or those denied coverage elsewhere. Oros Life offers guaranteed issue policies with lower death benefits, ideal for final expenses like funerals. Premiums may cost more without a health review, yet the certainty of approval gives you confidence.
Oros Life Advantage
With Oros Life, guaranteed issue underwriting opens doors for everyone, delivering coverage with compassion and no judgment.
