Underwriting Apsvērumi Term Life Insurance


Ka lielākā daļa amerikāņu vajadzētu iegādāties vienkāršu un lētu veidu dzīvības apdrošināšanu, ir labi izveidota, bet kā tieši atrast pareizo politiku, ir tik labi saprotams.

Tā ir viena lieta, lai iegūtu zemu cenas piedāvājumu attiecībā uz dzīvības apdrošināšanu, 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, Tomēr daudzi amerikāņi var nebūt spējīgs kvalitāti par labāko veselības klasei.

Kas tieši ir dzīvības apdrošināšana veselības klase 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 (labāko un zemāko izmaksu aprēķins), Vēlamā, 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.





Term Life Insurance





There are lots of criteria that go into the underwriting of your health class. The first, kas bieži vien ir visvairāk acīmredzama, 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, varētu nozīmēt simts dolāru vairāk gadā ikgadējo prēmiju izmaksas.

Your general health history also matters greatly. Have you had any major conditions, piemēram, sirdslēkmes, vai 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?





Tici vai nē, 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, ieskaitot testēšanas jums asinis un vai urīns recepšu un nonprescription medikamentiem.

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, un Klinšu kāpšana, atkarībā no tā, kad jūs pēdējo reizi gāja, cik bieži jūs iet, 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, lai tā varētu samaksāt uzdot jautājumus, pirms jūs izvēloties apdrošināšanas sabiedrību.





Braukšana ir arī acīmredzams atlīdzība par visiem dzīvības apdrošinātājiem, 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? Jūsu transportlīdzeklim ziņojums ļaus apdrošināšanas sabiedrība ieskatu savu iepriekšējo braukšanas pieredzi. Lūdzot jūsu apdrošināšanas aģents par savu iepriekšējo braukšanas ieraksts, varētu ietaupīt liels laiks.

Viens no pēdējā svarīgs apsvērums, nosakot jūsu dzīvības apdrošināšanas veselības klase, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, bet komerciālo aviokompāniju piloti var būt arī bažas par dzīvības apdrošināšanas uzņēmumiem. Sazinieties ar savu aģentu.





Visi šie dažādu faktoru, kas palīdz novērtēt savu pieņemamību, dzīvības apdrošināšana veselības klase, and hence what you will pay for life insurance. It is in your best interest, kā patērētājam, zināt, kādi ir parakstīšanas kritēriji ir, 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 ir īpašnieks WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, universāls, un Term Life Insurance. No Visa Vs termiņa moto ir "Dzīvības apdrošināšana ir komplekss, Don’t Get Lost.” Johnson can be found on twitter @marindependent1


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