대부분의 미국인은 잘 확립되어 생명 보험의 간단하고 저렴한 양식을 구입해야, 하지만 올바른 정책을 찾는 방법을 정확히 덜 잘 이해된다.
생명 보험에 대한 낮은 견적을 얻기 위해 한 가지입니다, 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, 그러나 많은 미국인이 가장 좋은 건강 클래스의 품질에 할 수 없습니다.
정확히 어떤 것은 생명 보험입니다 건강 클래스 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 (최고 및 최저 원가 계산), 선호, 표준 플러스, 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.
There are lots of criteria that go into the underwriting of your health class. The first, 이는 종종 가장 명백하다, 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, 연간 보험료 비용이 연간 수백 달러 이상을 의미 할 수있다.
Your general health history also matters greatly. Have you had any major conditions, 심장 발작 등, 또는 스트로크? 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?
믿거 나 말거나, 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, 처방 및 비처방 의약품에 대한 당신에게 혈액과 소변 테스트 포함.
There are other non-health related considerations such as what you like to do on your time off. Certain activities such as Scuba Diving, 스카이 다이빙, 및 암벽 등반, 마지막으로 갔을 때에 따라, 얼마나 자주 이동, 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, 그래서 보험 회사를 선택하면 이전에 질문을 지불 할 수 있습니다.
운전은 모든 생명 보험사에 대한 명백한 고려 사항이다, 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? 귀하의 자동차 보고서는 보험 회사에게 과거의 운전 경험을 엿볼 수. 과거 운전 기록에 대한 보험 에이전트를 묻는 것은 당신에게 큰 시간을 절약 할 수.
마지막으로 중요한 고려 사항 당신의 생명 보험 건강 클래스를 결정, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, 하지만 상업 항공사의 조종사는 생명 보험 회사에 대한 문제가 될 수 있습니다. 당신의 에이전트와 확인.
이러한 다양한 모든 요소는 수용을 결정하는 데 도움이, 생명 보험 건강 클래스, and hence what you will pay for life insurance. It is in your best interest, 소비자로, 보험 영업의 기준이 무엇인지 알고, 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.
스콧 W 존슨의 소유자 WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, 만능인, 및 정기 생명 보험. 전체 대 기간의 모토는 생명 보험은 복잡하다 "입니다, Don’t Get Lost.” Johnson can be found on twitter @marindependent1