Tegningsgaranti Overvejelser for tidsbegrænset livsforsikring


At de fleste amerikanere skal købe en enkel og billig form for livsforsikring er veletableret, men hvordan præcist at finde den rigtige politik er mindre godt forstået.

Det er én ting at få en lav tilbud for livsforsikring, 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, dog mange amerikanere kan ikke være i stand til kvalitet for den bedste sundhed klassen.

Hvad der præcist er en livsforsikring sundhed klasse 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 (den bedste og laveste costing), foretrækkes, 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.





Term Life Insurance





There are lots of criteria that go into the underwriting of your health class. The first, som ofte er den mest oplagte, 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, kunne betyde hundrede dollars mere om året i årlige præmie omkostninger.

Your general health history also matters greatly. Have you had any major conditions, såsom hjerteanfald, eller Strokes? 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?





Tro det eller ej, 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, herunder teste dig blod og eller urin for receptpligtig og nonprescription medicin.

There are other non-health related considerations such as what you like to do on your time off. Certain activities such as Scuba Diving, Faldskærmsudspring, og klatring, afhængigt af hvornår du sidst gik, hvor ofte du går, 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, så det kan betale sig at stille spørgsmål, før du vælger et forsikringsselskab.





Kørsel er også en oplagt overvejelse for alle livsforsikringsselskaber, 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? Din motorkøretøj rapport vil give forsikringsselskabet et glimt ind i din fortid køreoplevelse. Bede din forsikring agent om din fortid kørsel rekord kan spare dig big time.

En sidste vigtig overvejelse, når fastsættelsen af ​​din livsforsikring sundhed klasse, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, men kommercielle piloter kan også være en bekymring for livsforsikringsselskaber. Spørg din agent.





Alle disse forskellige faktorer bistå med at afgøre din accept, livsforsikring sundhed klasse, and hence what you will pay for life insurance. It is in your best interest, som forbruger, at vide, hvad de underwriting kriterier, 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.

Scott W Johnson er ejer af WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, Universel, og tidsbegrænset livsforsikring. Mottoet for Whole Vs Term er ”livsforsikring er Complex, Don’t Get Lost.” Johnson can be found on twitter @marindependent1


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