Life Insurance Underwriting Trends This February: Risk Factors and Rate Adjustments
Life insurance underwriting is becoming more dynamic this February, moving away from static medical exams toward continuous data-driven health assessment.
Accelerated Underwriting
This February, "Accelerated Underwriting" is no longer just for the young. Healthy individuals up to age 60 can now qualify for $1 million+ in coverage without a physical exam, using only digital health records and AI analysis.
Key Risk Factors in 2026
Underwriters are placing less weight on single incidents and more on long-term lifestyle data. This February, several carriers have launched plans that adjust premiums annually based on verified activity and sleep data from wearables.
Term life rates have reached a 3-year low this February due to improved longevity data and lower administrative costs.
Rate Adjustments and Smoking Definitions
A major February shift: insurers are re-defining "Smoker" status to better reflect the risks of modern vaping vs traditional combustible tobacco, leading to fairer rates for many.
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