Yeah, that quote checks out but Omaha’s pricing is way higher than others.
Companies like Banner, Corebridge, Paclife, Trans, Lincoln, Symetra, and SBLI offer better rates for this health rating and some even skip the exam hassle.
If you fall into the favored plus rating class, then that rate is accurate. Nevertheless, as this product is fully underwritten, a complete physical examination and blood work are required. There is a chance that something may come up during the examination or testing, which could affect your medical record and make it more difficult, if not impossible, to obtain that kind of coverage. It is preferable to choose a simplified issue product that is based solely on your medical history and application responses. Cost will be somewhat more, but there won’t be any unpleasant surprises that will prevent you from obtaining coverage in the future.