An inquiry offer, “ballpark,” or quick quote is a preliminary pricing estimate for a specifc impairment, usually made without the beneft of complete underwriting documentation. The table below provides ballpark estimates for some frequently seen impairments, and provides criteria for obtaining an underwriting offer. Underwriting for most impairments will require an Attending Physician’s Statement (APS) as well as the specifc reports noted below.

Best case scenarios and rated offers are subject to review of full underwriting requirements, including medical and nonmedical histories, and must conform to all other preferred criteria. In some situations, Prudential may offer Preferred categories when other carriers may not.

This short guide describes the information needed to underwrite alcohol / drug abuse, asthma, aviation, build, cancer, stroke/TIA, COPD, CAD, dementia, depression, diabetes, hepatitis, kidney disease, liver function test abnormalities, prostate cancer, sleep apnea, tobacco use, and valvular heart disease.