Amerikalıların çoğu iyi kurulmuş olan hayat sigortası basit ve ucuz bir formu satın almaları gerektiği, ama doğru bir politika bulmak tam olarak nasıl tam anlaşılmamış olmasına.
Hayat sigortası için düşük teklifi almak için bir şey, 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, Ancak birçok Amerikalı en iyi sağlık sınıfı için kaliteye mümkün olmayabilir.
Tam olarak Ne hayat sigortasıdır sağlık Sınıfı 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 (En iyi ve en düşük maliyetleme), Tercihli, Standart 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, hangi sıklıkla en belirgin olduğu, 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, Yıllık prim maliyetlerinde yılda yüz dolar daha anlamına gelebilir.
Your general health history also matters greatly. Have you had any major conditions, Kalp krizi gibi, veya İnme? 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?
İnan ya da inanma, 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, reçeteli ve reçetesiz ilaçlar için size kan ve ya idrar testi de dahil olmak üzere.
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, ve Kaya Tırmanışı, son gittiğinde bağlı, Ne sıklıkla gidiyorsun, 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, bu yüzden bir sigorta şirketi seçerken önce soru sormak için ödeme yapabilirsiniz.
Sürüş ayrıca tüm yaşam sigortacılar için bariz bir düşüncedir, 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? Sizin motorlu taşıt raporu sigorta şirketi geçmiş sürüş deneyimi bir bakış sağlayacak. Geçmiş sürüş sicili hakkındaki sigorta ajanı sorma size büyük zaman kurtarabilecek.
Son bir önemli husus da hayat sigortası sağlık sınıfını belirleyen, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, ancak ticari havayolu pilotları da hayat sigorta şirketleri için bir endişe olabilir. senin ajan ile kontrol.
Bu etkenlerle tümü kabul edilebilirliğini belirlemede yardımcı, hayat sigortası sağlık sınıfı, and hence what you will pay for life insurance. It is in your best interest, Bir tüketici olarak, poliçe kriterleri ne olduğunu bilmek, 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 sahibidir WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, Evrensel, ve Vadeli Hayat Sigortası. Tüm Vs Sürenin sloganı Hayat Sigortası Karmaşık”dir, Don’t Get Lost.” Johnson can be found on twitter @marindependent1