Că majoritatea americanilor ar trebui să cumpere o formă simplă și necostisitoare de asigurare de viață este bine stabilită, dar cum exact pentru a găsi politica drept este mai puțin bine înțeleasă.
Este un lucru pentru a obține un citat scăzut de asigurare de viață, 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, Cu toate acestea multi americani nu pot fi în măsură să calitate pentru cea mai bună clasă de sănătate.
Ce anume este o asigurare de viață clasa de sanatate 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 (cel mai bun și cel mai mic calcularea costurilor), Preferat, 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, care este adesea cea mai evidentă, 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, ar putea însemna o sută de dolari mai mult pe an, în costurile de prima anuale.
Your general health history also matters greatly. Have you had any major conditions, cum ar fi atacurile de cord, sau accident vascular cerebral? 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?
Crezi sau nu, 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, inclusiv tu analize de sânge și urină sau pentru medicamente prescrise si fara reteta.
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, și Rock Climbing, în funcție de ultima dată când ai plecat, cât de des te duci, 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, astfel încât să poată plăti pentru a pune întrebări înainte de faptul că ați ales o companie de asigurări.
De conducere este, de asemenea, un aspect evident pentru toți asigurătorii de viață, 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? Raportul dvs. autovehicul va permite companiei de asigurări o privire în experiența dumneavoastră de conducere rămas singur. Solicitarea agentul de asigurare cu privire la înregistrarea dumneavoastră de conducere trecut tine ar putea salva mare de timp.
Un ultim aspect important atunci când se stabilește clasa de asigurare de viață de sănătate, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, dar piloții de avion comerciale pot fi, de asemenea, o preocupare pentru companiile de asigurări de viață. Verificați cu agentul dvs..
Toți acești diverși factori contribuie la determinarea acceptabilitate dvs., de viață clasa de asigurări de sănătate, and hence what you will pay for life insurance. It is in your best interest, în calitate de consumator, să știe ce criteriile de subscriere sunt, 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 este proprietarul WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, universal, și Term Life Insurance. Motto-ul Total Vs termen este „Life Insurance este complex, Don’t Get Lost.” Johnson can be found on twitter @marindependent1