定期生命保険引受の考慮事項


ほとんどのアメリカ人は、十分に確立された生命保険の簡単かつ安価なフォームを購入する必要があること, しかし、右の方針を見つける方法を正確にあまり理解されています.

生命保険の低い見積もりを取得するための一つのことです, 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, しかし、多くのアメリカ人は、最高の健康クラスの品質にはできないことがあります.

生命保険は正確に何であります 健康学のクラス 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 (最高と最低の原価計算), プリファード, スタンダードプラス, 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.





定期生命保険





There are lots of criteria that go into the underwriting of your health class. The first, これは、多くの場合、最も明白です, 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, 年間保険料費で年間数百ドル以上を意味するかもしれません.

Your general health history also matters greatly. Have you had any major conditions, そのような心臓発作など, またはストローク? 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?





信じようと信じまいと, 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, 処方薬と非処方薬のためにあなたの血液や尿やテストなど、.

There are other non-health related considerations such as what you like to do on your time off. Certain activities such as Scuba Diving, スカイダイビング, そして、ロッククライミング, あなたが最後に行ったときに応じて、, どのくらいの頻度あなたが行きます, 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, それはあなたが保険会社を選択する前に質問を支払うことができます.





運転はまた、すべての生命保険会社のための明白な考慮事項です, 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? あなたの自動車レポートは、保険会社にあなたの過去の運転経験を垣間見ることができるようになります. あなたの過去の運転記録についてのあなたの保険代理店を頼むあなたに大きな時間を節約することができ.

最後にもう一つの重要な考慮事項あなたの生命保険健康クラスを決定します, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, しかし、民間航空会社のパイロットはまた、生命保険会社についての心配もあり. あなたのエージェントに確認してください.





これらの様々な要因のすべてがあなたの受容性を決定するのに役立ちます, 生命保険健康クラス, and hence what you will pay for life insurance. It is in your best interest, 消費者として、, 引受基準が何であるかを知っています, 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.

スコット・W・ジョンソンの所有者であります WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, ユニバーサル, そして定期生命保険. 全体の対用語のモットーは、生命保険は複雑です」です, Don’t Get Lost.” Johnson can be found on twitter @marindependent1


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