Considerazioni di garanzia per Term Life Insurance


Che la maggior parte americani dovrebbero acquistare una forma semplice e poco costoso di assicurazione sulla vita è ben definito, Ma esattamente come trovare la giusta politica è meno ben compreso.

E 'una cosa per avere un preventivo basso per l'assicurazione sulla vita, 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, tuttavia molti americani potrebbero non essere in grado di qualità per la migliore classe di salute.

Che cosa è esattamente un'assicurazione sulla vita classe di salute 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 (il migliore e più basso Costing), preferito, 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.





Termine di assicurazione vita





There are lots of criteria that go into the underwriting of your health class. The first, che spesso è la più ovvia, 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, potrebbe significare un centinaio di dollari in più all'anno in costi di premio annuale.

Your general health history also matters greatly. Have you had any major conditions, come attacchi di cuore, o 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?





Credici o no, 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, compresi voi il test del sangue e delle urine o per prescrizione e nonprescription farmaci.

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, e arrampicata su roccia, a seconda di ultima quando sei andato, quante volte si va, 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, in modo che possa pagare per fare domande prima di scegliere una compagnia di assicurazioni.





La guida è anche una considerazione ovvia per tutti gli assicuratori vita, 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? Il tuo rapporto veicolo a motore permetterà alla compagnia di assicurazione uno sguardo nel vostro passato esperienza di guida. Chiedere il vostro agente di assicurazione sul tuo passato record di guida potrebbe risparmiare tempo grande.

Un'ultima importante considerazione per determinare la vostra assicurazione sulla vita, salute classe, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, ma piloti di aerei commerciali possono anche essere una preoccupazione per le compagnie di assicurazione vita. Verificare con il proprio agente.





Tutti questi diversi fattori assist nel determinare il vostro accettabilità, assicurazione sanitaria di classe vita, and hence what you will pay for life insurance. It is in your best interest, come un consumatore, sapere quali sono i criteri di sottoscrizione sono, 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 è il proprietario di WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, universale, e termine di assicurazione vita. Il motto di Whole Vs termine è “Life Insurance è complessa, Don’t Get Lost.” Johnson can be found on twitter @marindependent1


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