Pertimbangan underwriting untuk Term Life Insurance


Bahwa kebanyakan orang Amerika harus membeli formulir sederhana dan murah asuransi jiwa mapan, tapi bagaimana tepatnya untuk menemukan kebijakan yang tepat adalah kurang dipahami dengan baik.

Ini adalah satu hal untuk mendapatkan penawaran yang rendah untuk asuransi jiwa, 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, Namun banyak orang Amerika mungkin tidak dapat untuk kualitas untuk kelas kesehatan terbaik.

Apa sebenarnya adalah asuransi jiwa kelas kesehatan 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 (yang terbaik dan termurah costing), disukai, 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.





Asuransi Jiwa Term





There are lots of criteria that go into the underwriting of your health class. The first, yang sering paling jelas, 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, bisa berarti seratus dolar lebih per tahun dalam biaya premium tahunan.

Your general health history also matters greatly. Have you had any major conditions, seperti Serangan Jantung, atau 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?





Percaya atau tidak, 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, termasuk pengujian Anda darah dan atau urin untuk resep dan obat bebas.

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, dan Panjat Tebing, tergantung kapan Anda terakhir pergi, seberapa sering Anda pergi, 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, sehingga dapat membayar untuk mengajukan pertanyaan sebelum Anda memilih perusahaan asuransi.





Mengemudi juga merupakan pertimbangan yang jelas untuk semua perusahaan asuransi jiwa, 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? Anda Laporan kendaraan bermotor akan memungkinkan perusahaan asuransi sekilas ke masa lalu pengalaman Anda mengemudi. Meminta agen asuransi Anda tentang catatan mengemudi masa lalu Anda bisa menghemat waktu besar.

Salah satu pertimbangan penting terakhir saat menentukan asuransi jiwa kelas kesehatan Anda, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, tapi pilot maskapai penerbangan komersial juga dapat menjadi perhatian bagi perusahaan asuransi jiwa. Periksa dengan agen Anda.





Semua ini berbagai faktor membantu dalam menentukan penerimaan Anda, kehidupan kelas kesehatan asuransi, and hence what you will pay for life insurance. It is in your best interest, sebagai konsumen, tahu apa kriteria underwriting yang, 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 adalah pemilik WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, Universal, dan Asuransi Jiwa Term. Moto Whole Vs Term adalah “Asuransi Jiwa adalah Complex, Don’t Get Lost.” Johnson can be found on twitter @marindependent1


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