Bahawa kebanyakan rakyat Amerika perlu membeli bentuk yang mudah dan murah insurans hayat mantap, tetapi bagaimana sebenarnya untuk mencari dasar yang betul kurang difahami.
Ia adalah satu perkara untuk mendapatkan sebut harga yang rendah untuk insurans hayat, 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, Bagaimanapun ramai rakyat Amerika tidak mungkin dapat berkualiti untuk kelas kesihatan yang terbaik.
Apa sebenarnya yang insurans hayat kelas kesihatan 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 (terbaik dan terendah kos pemegang), pilihan, 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.
There are lots of criteria that go into the underwriting of your health class. The first, yang sering yang 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, boleh bermakna seratus dolar lebih setiap tahun dalam kos premium tahunan.
Your general health history also matters greatly. Have you had any major conditions, seperti Serangan Jantung, atau Strok? 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 ujian darah dan anda atau air kencing bagi preskripsi dan bukan preskripsi ubat-ubatan.
There are other non-health related considerations such as what you like to do on your time off. Certain activities such as Scuba Diving, Menyelam Sky, dan Rock Climbing, bergantung kepada bila anda lalu pergi, berapa kerap 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, supaya ia boleh membayar untuk bertanya soalan sebelum anda memilih syarikat insurans.
Memandu juga satu pertimbangan yang jelas untuk semua penanggung insurans hayat, 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? laporan kenderaan motor anda akan membolehkan syarikat insurans melihat ke dalam pengalaman memandu anda yang lalu. Meminta ejen insurans anda mengenai rekod memandu lalu anda boleh menjimatkan masa anda besar.
Satu pertimbangan yang penting lepas apabila menentukan kelas kesihatan insurans hayat anda, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, tetapi juruterbang syarikat penerbangan komersial juga boleh menjadi kebimbangan bagi syarikat-syarikat insurans hayat. Semak dengan ejen anda.
Semua ini pelbagai faktor membantu dalam menentukan penerimaan anda, kelas kesihatan insurans hayat, and hence what you will pay for life insurance. It is in your best interest, sebagai pengguna, tahu apa kriteria pengunderaitan adalah, 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 Insurans Hayat. Moto Seluruh Vs Term adalah "Life Insurance ialah Complex, Don’t Get Lost.” Johnson can be found on twitter @marindependent1