Že väčšina Američanov si mal kúpiť jednoduchú a lacnú formu životného poistenia je dobre zavedená, ale ako presne nájsť tú správnu politiku, je menej dobre rozumel.
To je jedna vec, aby si nízku cenovú ponuku pre životné poistenie, 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, Avšak mnoho Američanov môže mať ťažkosti s kvalitou za najlepšiu zdravotnú triede.
Čo presne je životné poistenie trieda zdravie 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 (najlepšie a najnižšie kalkulácie), preferované, 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, ktorý je často najzreteľnejší, 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, by mohlo znamenať, sto dolárov za rok v ročných nákladov na prémie.
Your general health history also matters greatly. Have you had any major conditions, ako je napríklad infarktu, alebo Ťahy? 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?
Ver či never, 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, vrátane testovania vám krv a moč alebo na predpis a Nepredpísané liekov.
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 potápanie, a Horolezectvo, V závislosti na tom, kedy ste naposledy išli, Ako často idete, 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, tak to môže platiť klásť otázky pred vami výberom poisťovňu.
Driving je tiež zrejmá úvaha pre všetky životné poisťovne, 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? Vaša správa pre motorové vozidlá umožní poisťovni nahliadnuť do svojej minulosti vodičský zážitok. Opýtať svojho poisťovacieho agenta o svojej minulosti vodičský záznamu môže ušetriť veľký čas.
Jeden Posledným dôležitým aspektom pri určovaní svoj životné poistenie zdravotné triedu, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, ale obchodný dopravný pilot môže byť tiež problémom pre životné poisťovne. Poraďte sa so svojím agentom.
Všetky tieto rôzne faktory pomáhajú pri určovaní prijateľnosti, Životné poistenie Trieda zdravie, and hence what you will pay for life insurance. It is in your best interest, ako spotrebiteľ, vedieť, aké sú kritériá upisovanie sú, 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 je vlastníkom WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, univerzálne, a Term Life Insurance. Mottom celého Vs termín je "Životné poistenie je Complex, Don’t Get Lost.” Johnson can be found on twitter @marindependent1