Considérations de prise ferme pour l'assurance vie


Que la plupart des Américains devraient acheter une forme simple et peu coûteux d'assurance-vie est bien établie, mais comment exactement à trouver la bonne politique est moins bien compris.

Il est une chose pour obtenir un devis faible pour l'assurance-vie, 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, mais beaucoup d'Américains peuvent ne pas être en mesure de qualité pour la meilleure classe de santé.

Quelle est exactement une assurance-vie classe de santé 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 (le meilleur et le plus bas calcul des coûts), Préféré, 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.





Assurance-vie temporaire





There are lots of criteria that go into the underwriting of your health class. The first, ce qui est souvent la plus évidente, 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, pourrait signifier une centaine de dollars de plus par an dans les coûts des primes annuelles.

Your general health history also matters greatly. Have you had any major conditions, tels que les crises cardiaques, ou 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?





Croyez-le ou non, 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, y compris vous tester le sang et l'urine ou des médicaments sur ordonnance et sans ordonnance.

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, et escalade, selon le moment où vous êtes allé, vous allez la fréquence, 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, il peut payer pour poser des questions avant de choisir une compagnie d'assurance.





La conduite est également une considération évidente pour tous les assureurs-vie, 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? Votre rapport de véhicule à moteur permettra à la compagnie d'assurance un aperçu de votre passé expérience de conduite. Demander à votre agent d'assurance au sujet de votre dossier de conduite passé pourrait vous faire économiser beaucoup de temps.

Une dernière considération importante lors de la détermination de votre classe de santé d'assurance-vie, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, mais les pilotes de ligne peuvent également être une préoccupation pour les compagnies d'assurance-vie. Vérifiez auprès de votre agent.





Tous ces différents facteurs aident à déterminer votre acceptabilité, classe de santé d'assurance-vie, and hence what you will pay for life insurance. It is in your best interest, en tant que consommateur, de savoir quels sont les critères de souscription sont, 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 est le propriétaire de WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, Universel, et l'assurance vie. La devise de Whole Vs terme est « l'assurance-vie est complexe, Don’t Get Lost.” Johnson can be found on twitter @marindependent1


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