At de fleste amerikanere skal kjøpe en enkel og billig form for livsforsikring er godt etablert, men hvordan akkurat å finne den rette politikken er mindre godt forstått.
Det er én ting å få en lav tilbud for livsforsikring, 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, men mange amerikanere ikke kan være i stand til kvalitet for den beste helsen klassen.
Hva er egentlig en livsforsikring helse klasse 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 (den beste og laveste kostnadskalkyle), Foretrukket, 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, som ofte er den mest åpenbare, 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, kan bety en hundre dollar mer per år i årlige premiekostnader.
Your general health history also matters greatly. Have you had any major conditions, som hjerteinfarkt, eller 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?
Tro det eller ei, 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, inkludert testing du blod og urin eller for reseptbelagte og reseptfrie legemidler.
There are other non-health related considerations such as what you like to do on your time off. Certain activities such as Scuba Diving, Fallskjermhopping, og fjellklatring, avhengig av når du sist gikk, hvor ofte du går, 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, så det kan lønne seg å stille spørsmål før du velger et forsikringsselskap.
Kjøring er også en åpenbar hensyn til alle livsforsikringsselskaper, 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? Motorkjøretøy rapporten vil tillate forsikringsselskapet et glimt inn i fortiden din kjøreopplevelse. Spør forsikringsselskapet agent om din fortid kjøring posten kan spare deg big time.
En siste viktig faktor når man skal avgjøre din livsforsikring helse klasse, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, men kommersielle piloter kan også være en bekymring for livsforsikringsselskaper. Sjekk med din agent.
Alle disse ulike faktorer bistå i å bestemme din aksept, livsforsikring helse klasse, and hence what you will pay for life insurance. It is in your best interest, som forbruker, å vite hva påta kriteriene er, 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 er eieren av WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, Universell, og Term Life Insurance. Mottoet til Whole Vs Term er “Life Insurance er Complex, Don’t Get Lost.” Johnson can be found on twitter @marindependent1