Consideraciones de suscripción de seguro de vida


Que la mayoría de los estadounidenses deben comprar una forma sencilla y barata de seguro de vida está bien establecida, pero ¿cómo exactamente para encontrar la política adecuada es menos conocida.

Es una cosa para obtener una tarifa baja para el seguro de vida, 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, Sin embargo muchos estadounidenses pueden no ser capaces de calidad para la mejor clase de salud.

¿Qué es exactamente un seguro de vida clase de salud 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 (los mejores y más bajo costeo), Privilegiado, 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.





Seguro de Vida





There are lots of criteria that go into the underwriting of your health class. The first, que a menudo es el más obvio, 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, podría significar un centenar de dólares más por año en costos de las primas anuales.

Your general health history also matters greatly. Have you had any major conditions, tales como ataques al corazón, o derrames cerebrales? 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?





Por extraño que parezca, 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, incluyendo que las pruebas de sangre y orina o de venta con receta y sin receta.

There are other non-health related considerations such as what you like to do on your time off. Certain activities such as Scuba Diving, Paracaidismo, y escalada en roca, dependiendo de cuando fue la última, la frecuencia con la que vaya, 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, por lo que puede pagar para hacer preguntas antes de elegir una compañía de seguros.





Conducir es también una consideración obvia para todos los aseguradores de vida, 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? Su informe de vehículo de motor permitirá a la compañía de seguros una visión de su experiencia de conducción pasado. Al preguntarle a su agente de seguros acerca de su registro de conducir más allá de usted podría ahorrar mucho tiempo.

Una última consideración importante al determinar su clase de salud seguros de vida, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, pero los pilotos de aerolíneas comerciales también pueden ser una preocupación para las compañías de seguros de vida. Consulte con su agente.





Todos estos diversos factores ayudará a determinar su aceptabilidad, la clase de salud seguros de vida, and hence what you will pay for life insurance. It is in your best interest, como consumidor, saber cuáles son los criterios de suscripción son, 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 es el dueño de WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, Universal, y Seguro de Vida. El lema de Whole Vs término es “seguro de vida es complejo, Don’t Get Lost.” Johnson can be found on twitter @marindependent1


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