包销注意事项定期寿险


大多数美国人应该购买人寿保险简单和廉价的形式确立, 但究竟如何找到合适的政策了解较少.

这是一两件事让寿险低报价, 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,许多美国人可能无法品质最佳的健康类.

究竟什么是人寿保险 健康课 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计算), 首选, 超标准, 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.





定期寿险





There are lots of criteria that go into the underwriting of your health class. The first, 这往往是最明显的, 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, 可能意味着每年百元的保费每年成本.

Your general health history also matters greatly. Have you had any major conditions, 例如心脏病发作, 或笔画? 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, 包括测试你的血液和尿液或处方药和非处方药.

There are other non-health related considerations such as what you like to do on your time off. Certain activities such as Scuba Diving, 高空跳伞, 和攀岩, 根据您上次去, 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选择一个保险公司在你面前的问题.





驾驶也是所有寿险公司一个明显的考虑, 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? 您的机动车报告将允许保险公司窥探到你过去的驾驶体验. 问你的保险代理人对你过去的驾驶记录可以节省您的时间大.

一个确定你的人寿保险健康类时,最后一个重要的考虑, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, 但商业航空公司飞行员也可能是寿险公司关注. 请与您的代理.





所有这些各种因素决定你接受帮助, 寿险健康课, and hence what you will pay for life insurance. It is in your best interest, 作为消费者, 要知道承保标准是什么, 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·约翰逊是所有者 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, 并定期寿险. 全Vs的期限的座右铭是“人寿保险是复杂的, Don’t Get Lost.” Johnson can be found on twitter @marindependent1


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