Поемане Съображенията за рискова застраховка живот


Това повечето американци да си купят проста и евтина форма на застраховка живот е добре установена, но как точно да се намери правилната политика е по-малко разбира добре.

Това е едно нещо, за да се получи ниска оферта за застраховка живот, 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, Въпреки това много американци не могат да бъдат в състояние да качество за най-добро здраве класа.

Какво точно е застраховка живот здравен клас 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 (най-добрите и най-ниската остойностяване), предпочитан, Standard Plus, 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.





Срок Животозастраховане





There are lots of criteria that go into the underwriting of your health class. The first, който често е най-очевидната, 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, би могло да означава сто долара повече на година в годишните разходи за премии.

Your general health history also matters greatly. Have you had any major conditions, като сърдечни пристъпи, или инсулти? 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?





Вярваш или не, 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, включително и вие с кръвен тест и урина или за лекарства с рецепта и без рецепта.

There are other non-health related considerations such as what you like to do on your time off. Certain activities such as Scuba Diving, Sky Diving, и скално катерене, в зависимост от това кога за последен път сте отишли, колко често да отидете, 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, така че може да плати, за да задава въпроси, преди да избират една застрахователна компания.





Шофиране също е важна предвид за всички животозастрахователи, 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? Вашият отчет моторни превозни средства ще позволи на застрахователната компания поглед към миналото си на шофиране опит. Питам ви застрахователен агент за миналата си рекорд на шофиране може да ви спести голям време.

Един последен важен фактор при определянето на вашия живот застраховка здраве клас, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, но търговските пилотите на авиокомпаниите могат да бъдат проблем за животозастрахователните компании. Консултирайте се с вашия агент.





Всички тези различни фактори помогне при определянето си приемливост, животозастраховане здраве клас, and hence what you will pay for life insurance. It is in your best interest, като потребител, да се знае какви са критериите за застрахователни, 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.

Скот Джонсън W е собственик на WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, универсален, и рискова застраховка живот. Мотото на Цялата Vs термин е "Life Insurance е комплекс, Don’t Get Lost.” Johnson can be found on twitter @marindependent1


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