At U.S. Financial Life, we believe that every person who applies for life insurance is unique. We've revolutionized life insurance with our innovative underwriting approach known industry-wide as Clinical Underwriting®. This approach enables our underwriters to carefully evaluate you as an individual by reviewing your health history. If you're following doctor's orders to control your health condition(s) and have a good family medical history, you will likely benefit from our individualized Clinical Underwriting® process.

By consulting internationally recognized medical specialists and reviewing the latest medical findings pertaining to your health history, we can often accept applicants who are rejected or offered more expensive coverage by other companies. Even if you smoke cigarettes (or use other nicotine products) on an occasional basis, you could benefit from Clinical Underwriting®. By evaluating your individual history more thoroughly, we're able to hone in on your nicotine use and assess your risk accordingly.

For more information on U.S. Financial Life plans, please click below:

Life