Statement of good health is a brief declaration, usually signed at policy delivery, in which the insured confirms that their health and medical history have not materially changed since the time of application and underwriting. Carriers rely on this statement to ensure that no significant new conditions, treatments, or diagnoses have emerged that would have affected the underwriting decision. If a material adverse change is disclosed, the insurer may delay delivery, request additional underwriting, amend the offer, or in some cases withdraw it. The statement of good health protects insurers from anti-selection and ensures that issued policies reflect the risk profile that was originally evaluated. Some carriers waive the statement for certain simplified issue or guaranteed issue products, while others make it a standard requirement.

Advisors typically present the statement of good health at policy delivery and explain that it must be completed truthfully to avoid future contestability issues. They ask clients whether any recent surgeries, hospitalizations, new medications, or major diagnoses have occurred since underwriting. If changes are reported, advisors promptly inform the carrier and follow its instructions. In group life and voluntary benefits, carriers may use abbreviated good-health statements during enrollment. Understanding statements of good health helps advisors manage expectations between approval and delivery, reinforce the importance of honest disclosure, and avoid coverage disputes at claim time due to misrepresentation or omitted changes in health.