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For groups with more than 50 employees, U.S. does not limit premium variations when coverage is first issued or renewed. Check with the U.S. Department of Insurance if you have any questions about your group plan premiums.

Recent US select mortality tables predict that roughly 0.35 in 1,000 non-smoking males aged 25 will die during the first year of coverage after underwriting. 4 Mortality approximately doubles for every extra ten years of age so that the mortality rate in the first year for underwritten non-smoking men is about 2.5 in 1,000 people at age 65. 5 Compare this with the US population male mortality rates of 1.3 per 1,000 at age 25 and 19.3 at age 65 (without regard to health or smoking status).



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