包銷注意事項定期壽險


大多數美國人應該購買人壽保險簡單和廉價的形式確立, 但究竟如何找到合適的政策了解較少.

這是一件事讓壽險低報價, 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, 然而,許多美國人可能無法品質最佳的健康類.

究竟什麼是人壽保險 健康課 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 (最好的和最低的成本計算), 首選, 超標準, 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.





定期壽險





There are lots of criteria that go into the underwriting of your health class. The first, 這往往是最明顯的, 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, 可能意味著每年百元的保費每年成本.

Your general health history also matters greatly. Have you had any major conditions, 例如心髒病發作, 或筆劃? 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?





信不信由你, 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, 包括測試你的血液和尿液或處方藥和非處方藥.

There are other non-health related considerations such as what you like to do on your time off. Certain activities such as Scuba Diving, 高空跳傘, 和攀岩, 根據您上次去, 你多久去, 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, 因此它可以支付要求選擇一個保險公司在你面前的問題.





駕駛也是所有壽險公司一個明顯的考慮, 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? 您的機動車報告將允許保險公司窺探到你過去的駕駛體驗. 問你的保險代理人對你過去的駕駛記錄可以節省您的時間大.

一個確定你的人壽保險健康類時,最後一個重要的考慮, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, 但商業航空公司飛行員也可能是壽險公司關注. 請與您的代理.





所有這些各種因素決定你接受幫助, 壽險健康課, and hence what you will pay for life insurance. It is in your best interest, 作為消費者, 要知道承保標準是什麼, 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.

斯科特·w ^約翰遜是所有者 WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, 普遍, 並定期壽險. 全Vs的期限的座右銘是“人壽保險是複雜的, Don’t Get Lost.” Johnson can be found on twitter @marindependent1


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