اعتبارات الاكتتاب لمدة التأمين على الحياة


أن معظم الأمريكيين أن شراء نموذج بسيط وغير مكلفة للتأمين على الحياة وراسخة, ولكن كيف بالضبط للعثور على السياسة الصحيحة ومن المفهوم بشكل أقل.

هو شيء واحد للحصول على الاقتباس منخفض للتأمين على الحياة, however qualifying for that potential life insurance policy is the real key to getting that price. Those low numbers are usually shown as being the best class available, لكن العديد من الأميركيين قد لا تكون قادرة على الجودة لفئة أفضل صحة.

بالضبط ما هو التأمين على الحياة الطبقة الصحية and what does it have to do with term life insurance?

Your life insurance health class is a classification system that assists life insurers in rating proposed life insurance policies. It takes into account many common health considerations. There are four main life insurance health classes: Preferred Plus (أفضل وأدنى التكاليف), فضل, ستاندرد زائد, and Standard. Beyond these four classes are the so called Table Ratings. Each of the four health classes listed above are further broken down into Tobacco or Non Tobacco use.





مدة التأمين على الحياة





There are lots of criteria that go into the underwriting of your health class. The first, التي غالبا ما تكون الأكثر وضوحا, is your weight. Your weight matters more than most people would think it does because overweight people experience increased risk of all sorts of illnesses such as diabetes. If an insurance agent knows nothing else about your health situation, your height and weight may be the biggest single indicator. Each insurance company will maintain their own height weight chart and limits that they will accept for each health class. A difference of just a few pounds, قد يعني مئة دولار إضافية سنويا في تكاليف الأقساط السنوية.

Your general health history also matters greatly. Have you had any major conditions, مثل النوبات القلبية, أو السكتات الدماغية? Do you have any ongoing current issues such as Asthma or Cancer? The more major the condition the more important, but really all health conditions matter. Insurance carriers generally prefer to see a condition is being treated and that the applicant is following the prescribed plan. In other words are refilling the prescription on time each and every month?





صدق او لا تصدق, your direct family’s health history matters as well. Have your mom or dad had conditions such cardiovascular issues or various cancers?

There are several tests that most life insurance companies will run when completing a paramedical exam. A paramedical exam is an exam done either at the client’s place of business or home at a time of their choosing. Typically paramed exams are done for free. One thing that will take place at your exam is that they will take your blood pressure. A blood pressure reading that is either too high or too low could indicate possible issues and life insurance companies may rate you based on these results.





Cholesterol is another important health consideration. Many seemingly perfectly healthy people unknowingly have high cholesterol. Ask your doctor about your cholesterol levels to ensure that get the best rate possible. Generally your cholesterol will be taking during your medical exam. There are numerous other medical tests that will be performed, بما في ذلك اختبار لكم الدم والبول أو وصفة طبية وغير الأدوية بالوصفات.

There are other non-health related considerations such as what you like to do on your time off. Certain activities such as Scuba Diving, السماء الغوص, وتسلق الصخور, اعتمادا على الماضي عندما ذهب, عدد المرات التي يذهب, may mean that you need to pay more for life insurance. When in doubt ask your life insurance agent about the types of activities that you do and if they are a concern for your proposed life insurer. Insurance companies occasionally have differences of opinion about this, لذلك يمكن أن يدفع إلى طرح الأسئلة قبل اختيار شركة التأمين.





القيادة هي أيضا من الاعتبارات واضح لجميع شركات التأمين على الحياة, as people that have more tickets tend to get into more accidents and hence need to pay more for term life insurance. When was your last ticket? How many tickets do you have? سيكون لديك تقرير السيارات تسمح شركة التأمين لمحة عن ماضيك تجربة القيادة. يمكن أن يطلب وكيل التأمين الخاصة بك عن سجل القيادة ماضيك يوفر لك وقتا كبيرا.

أحد الاعتبارات المهمة الماضي عند تحديد التأمين على الحياة الطبقة صحتك, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, لكن طياري الخطوط الجوية التجارية قد تكون أيضا مصدر قلق لشركات التأمين على الحياة. تحقق مع وكيلك.





كل هذه عوامل مختلفة تساعد في تحديد القبول الخاص بك, التأمين على الحياة الطبقة الصحة, and hence what you will pay for life insurance. It is in your best interest, كمستهلك, لمعرفة ما هي معايير الاكتتاب, so that you may prepare yourself with all of the information needed and to make your best case. Clients that are educated about life insurance tend to secure a lower yearly premium and save money.

سكوت W جونسون هو صاحب WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, عالمي, ومصطلح التأمين على الحياة. شعار الجامعة مقابل الأجل هو "التأمين على الحياة هو مجمع, Don’t Get Lost.” Johnson can be found on twitter @marindependent1


استفاد من هذا المنصب? يرجى استخدام أزرار تقاسم أعلاه لمشاركة آخر على الشبكات الاجتماعية المفضلة لديك. للتأكد من البقاء حتى موعد مع مقالاتنا, ادخل بريدك الالكتروني للاشتراك.

الحصول على تحديثات مجانية
إدخال عنوان بريدك الإلكتروني للحصول على آخر تنبيه جديد

اترك رد