Sentences with phrase «underwriting policies»

An independent agent will know which companies will have the best underwriting policies for your unique situation.

This will be subject to board approved underwriting policy.

If that's a concern, look for accelerated underwriting policies when you're revisiting your saved quotes.

For the policy revival, you need to pay all due and unpaid premiums, as per underwriting policy.

Each insurance company is different, and all of them are going to have varying underwriting policies which can drastically impact the results that you get.

Different insurers follow different underwriting policies and so the premium rates may vary.

To qualify you do have to be in good health, but even if you do not qualify instantly you can still go through the normal underwriting policy to receive coverage.

There are at least 15 insurance companies that offer no medical underwriting policies.

The acceptance of the proposal shall be subject to prevailing board approved underwriting policy.

They're a lot more expensive than term life insurance (including accelerated underwriting policies), sometimes for less coverage.

For revival of the policy, you need to pay all due and unpaid premiums, as per underwriting policy.

To qualify you do have to be in good health, but even if you do not qualify instantly you can still go through the normal underwriting policy to receive coverage.

Right now there are easily over 15 different insurance companies that offer these no medical underwriting policies.

If you are healthy, their preferred rates can compete with fully underwritten policies of almost any company.

When you're looking to get life insurance, it's important that you make the best decision for your family, in most cases, it's always better to choose a fully medically underwritten policy to get your family the protection that they need.

I could go through the exam process and buy a traditionally underwritten policy for as little as $ 16 per month.

Sagicor's no exam term life insurance rates match some other companies fully underwritten policies with an exam.

Insurance companies underwrite policies for workers and the companies themselves.

Prudential not only tends to be more liberal in underwriting policies for cancer survivors, but also for people with diabetes and DUI histories.

With simplified issue underwriting, you do not need to participate in a medical exam like fully underwritten policies require.

The company merely acts as a service, it does not underwrite policies at all at this time.

Because of the varied geography of North Carolina, this presents some unique challenges in properly underwriting policies within the state.

This is rare in most cases but the companies have to be careful when underwriting these policies especially with larger face amounts.

Getting information about underwriting policies from life insurance companies can be like pulling teeth.

There are other companies that offer simplified underwritten policies but Fidelity Life is very commonly used because of their very competitive premiums and excellent rating along with superior customer service.

But they do cost more in premiums on a per thousand basis than fully underwritten policies do.

Competitive insurance companies require a medical exam before underwriting a policy.

You shouldn't assume that your health will prevent you from getting a medically underwritten policy from any insurance company, however, because each life insurance company has its own standards for what medical conditions it accepts and what rate class it puts them in.

With this in mind, burial insurance could be a good option for those who need life insurance coverage, but know that they may not qualify via a medically underwritten policy due to an adverse health condition.

All life insurance companies underwrite their policies differently and have their own opinions concerning specific health conditions, hazardous sports or dangerous occupations.

The health insurance providers usually ask additional questions to seasonal smokers while underwriting their policy request.

Critical illness insurance can come in the form of a guaranteed issue policy, where the only requirement is a health questionnaire, or a fully underwritten policy where the applicant's health is taken into account.

The Savings Bank Life Insurance Company of Massachusetts now offers its exclusive accelerated underwritten policy through its Accelerated Underwriting Program (not currently available in NY / MT).

Because of the varied geography of North Carolina, this presents some unique challenges in properly underwriting policies within the state.

In an e-mail exchange, a State Farm media representative told me that she was «not able to share with you specific underwriting policies because they are proprietary, however I can tell you that many factors, including the use of medical marijuana, are considered when underwriting a life insurance policy.»

I always recommend applicants apply for the fully underwritten policies so you can receive the lowest premiums possible.

With all of these factors in mind, it may oftentimes make sense to apply for a medically underwritten policy if you think you can qualify.

Alternatively, if the cost of the no exam policy seems a bit high you can always apply for a fully underwritten policy at a later time to replace the no exam policy.

Additionally, your policy is typically issued in a fraction of the amount of time than a medically underwritten policy takes.

Two different life insurance companies may underwrite your policy very differently.

All federally regulated financial institutions are now prohibited from arranging mortgages, or a combination of a mortgage and other lending products with another lender in any form that circumvents the institution's maximum LTV ratio or other limits in its residential mortgage underwriting policy, or any requirements established by law.

Because there is no underwriting, there are no health ratings assigned to the policies and if you recover from your cancer, you may want to try to replace the policy with a standard underwriting policy.

If you have an existing medical condition you may want to choose a fully underwritten policy because it will give the underwriter more to work with.

American National not only offers competitive rates on no exam life insurance but also on fully underwritten policies as well.

Given these factors, if you're fairly healthy and not concerned about your ability to pass a medical exam (they're simple and only take about 30 minutes), you can save a lot of money over time by getting a fully underwritten policy elsewhere.

Fully underwritten policies usually require you to pass a medical exam before they will approve you for a life insurance policy.

NAR has distributed its Credit Policy and met with industry groups and regulators to emphasize the importance of reasonable underwriting policies.