Sentences with phrase «as life insurance underwriters»

We won't judge you and we'll only work with the specific facts as well as the life insurance underwriters until we find a solution.

As life insurance underwriters, we know there is a lot more than blood pressure, cholesterol and weight which determines a rating.

Wendy joined PWL in 2017 after a 12 year career as a life insurance underwriter.

I can be contacted on the number given below if you need any additional information regarding my suitability to work as a life insurance underwriter.

Not exact matches

Many of the top advisors in the industry have designations such as certified public accountant (CPA), certified financial planner (CFP), certified fund specialist (CFS), chartered financial consultant (ChFC), chartered financial analyst (CFA), chartered life underwriter (CLU) and / or juris doctor (JD), and carry their Series 7, 24, 51, 63, 65, 66 and insurance licenses.

«I was hoping to be able to dismiss it,» said Mr. Hickey, 37, who lives in Hoosick Falls and works as an insurance underwriter in Albany.

Life insurance company underwriters - experts who predict risks of injury, illness and death - look at your age, health, occupation, hobbies and habits, as well as your credit report, in setting your premiums.

An EKG tests your heart's electrical activity and is part of your life insurance medical exam to help underwriters determine if you have an irregular heartbeat, such as an arrhythmia, which points to heart disease.

High blood pressure, otherwise known as hypertension, is one of the most powerful predictors of mortality, which is why life insurance underwriters will always take a hard look at this diagnosis.

This makes them highly unfriendly to people who can not take an exam or know they will be classified as a high risk by the life insurance underwriters.

Depending upon the severity of his asthma, tobacco use, and if there are any other issues that the underwriters may consider a risk, the chart below can be used as an estimate of his monthly payments were he to buy a 30 - year, $ 150,000 term life insurance policy.

Torchmark has earned a long list of awards and accolades, including the receipt of a Top 50 ranking for Life and Health Insurance Companies in National Underwriter's LifeHealthPro online magazine in 2016, and being ranked as number 590 on the 2016 Fortune 1000 list.

There is a group of dangerous occupations that life insurance underwriters see as very risky.

Life insurance company underwriters - experts who predict risks of injury, illness and death - look at your age, health, occupation, hobbies and habits, as well as your credit report, in setting your premiums.

People with multiple driving violation will be seen as a high risk to the life insurance underwriters.

It will also be necessary for the underwriters to know if the applicant takes part in any «risky» or «dangerous» hobbies such as scuba diving or hang gliding, as these can make an insured more of a risk to a life insurance company.

Inconsistent answers raise red flags with the life insurance underwriter who may request additional information such as physician statements.

These factors must all be taken into consideration by the insurance underwriters when providing a life insurance quote as, if they are not aware of all of the facts, they will be unable to accurately provide a quote which truly reflects the individuals needs.

If the underwriter estimates that the life expectancy of the individual is shorter than average, and that the client's premiums will not accumulate enough to pay off the death benefit as well as the excess profits for the insurance company, then the prospect will be denied coverage.

In addition to the basic information, if you have been diagnosed with lung cancer, the life insurance underwriters will want to know as much as possible about your condition, as well as any treatment you've received, so they can make the most informed decision possible regarding your insurance coverage.

Although the application process is not as easy and straightforward as it is for someone without anemia, life insurance underwriters will not deny your application just based on your anemic condition.

This is a byproduct of the way insurance companies have to make decisions — underwriters, the people who calculate just how risky you are for the life insurance company to take on as a customer, have to use established data from years of research in order to change policies.

According to Pinney underwriter Mike Woods, most life insurance companies put recreational marijuana use on the same level as cigarette smoking.

The most aggressive, liberal underwriter for coverage in the industry, Pru, as their often referred to, boasts uncharacteristically relaxed guidelines in the most progressive areas of life insurance.

Since the goal of a life insurance company is to insure people who are in good health and will live for a long time, insurance underwriters see smokers as high risk applicants.

High blood pressure, otherwise known as hypertension, is one of the most powerful predictors of mortality, which is why life insurance underwriters will always take a hard look at this diagnosis.

The results of this exam as well as other underwriting details are analyzed by the life insurance underwriter.

What we now know as life insurance began in 17th century England with underwriters who would insure people for monetary gain.

Life insurance underwriters consider «indirect treatment» as weight loss, non-use of sleeping pills and abstinence from alcohol prior to bed time.

With over 50 years of experience in the insurance industry, Global Underwriters has established itself as a leader in the development, administration and marketing of international health and life insurance products.

Once you enter this information, you can feel confident knowing that the quote you're given is as close to the one you'll actually be paying as possible before the life insurance underwriters take over from Quotacy.

Even if you were in Point Break, surfing as a hobby may impact your life insurance cost, as underwriters look at the sport, not just the skill level of the participant.

During this time period, the life insurance underwriter will look at your application to assess how much risk your scleroderma (as well as other lifestyle / health factors) poses them.

If someone applies for life insurance coverage of a large amount and lists a charity as a beneficiary, underwriters may dig a little.

Life insurance underwriters will factor in these underlying causes as well.

James Bond, your local deep sea welder, Wonder Woman, Formula 1 race car drivers, horse jockeys, police officers, and active military personnel share a common characteristic: they're perfect examples of people with professions that life insurance underwriters classify as high - risk jobs.

This is a summary of your medical history that is requested by life insurance underwriters as part of the underwriting process.

In addition, the underwriters at the life insurance company may also review additional information, such as your driving history through the DMV (Department of Motor Vehicles), and / or information about you that is stored at the MIB (which was formerly known as the Medical Information Bureau).

As a life insurance agent, there are a few «basic» facts that we'll need to understand in order to fully appreciate how a life underwriter will «view» your life insurance application and how these «facts» will factor into the outcome of your life insurance application.

An EKG tests your heart's electrical activity and is part of your life insurance medical exam to help underwriters determine if you have an irregular heartbeat, such as an arrhythmia, which points to heart disease.

A life insurance underwriter's job is to guess how long you're likely to live based on your physical characteristics (such as age, sex, height, weight, medical history, blood pressure and cholesterol level), behavior (such as alcohol, drug and / or tobacco use, extreme sports), family history, financial standing, driving record and geographic location.

Global Underwriters With over 45 years of experience in the insurance industry, Global Underwriters has established itself as a leader in the development, administration and marketing of international health and life insurance products.

As someone who is applying for life insurance with Addison's disease, you need to be aware that your insurance application is most likely going to be considered a «high risk» application by most insurance underwriters.

The cost of any Illinois life insurance policy is dependent on a number of variables assessed by the underwriters as they determine the cost of your premium.

You might even be able to qualify for a No Medical Exam Life Insurance Quote as well — that is, if you have no other health problems that would prohibit an underwriter from issuing you a policy.

If you are applying for a death benefit of $ 1,000,000 or more, the life insurance company underwriter may request additional documentation such as a tax return or financial statement from the business.

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It's also one of the questions that underwriters ask the statistics when they price Irvine, CA Renters Insurance, so it impacts your cost of living, as well.

As treatment for all types of cancer have improved, life insurance underwriters have been forced to re-evaluate their guidelines for different types of treatment and how the mortality experience has actually changed.