What is a rate-up?

When you apply for a medically underwritten insurance policy, you can qualify for the lowest rate if you are perfectly healthy,

If you are rated-up, it means you are going to pay a  rate that is higher than that lowest preferred rate.

Medical underwriters look at your health history and current status and may determine you should have a rate-up for several reasons, including:
Smoking Status
Blood Pressure
Cholesterol Levels
The need for ongoing prescription medications.

Such preexisting conditions indicate that your future health care costs will be higher than someone who does not have these conditions. Therefore, your premium rate costs would  be higher that someone in better shape.   
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