Sentences with phrase «life insurance underwriters use»

Life insurance underwriters use algorithms to determine how much your premium will cost, and these are based on a wide range of factors, including:

The life insurance underwriters use your answers to these questions along with your current medical exam to decide whether or not you qualify for traditional coverage.

Life insurance underwriters use guidelines set by the State Department to decide whether deploying to a foreign country will disqualify a military applicant.

Life insurance underwriters use algorithms to determine how much your premium will cost, and these are based on a wide range of factors, including:

This is the most important factor a life insurance underwriter uses to determine you rates and premiums.

With both type 1 diabetes and type 2 diabetes life insurance underwriting the A1c is a key factor that the life insurance underwriter uses to determine how well controlled the diabetes is.

Not exact matches

Typical factors an Anaheim insurance underwriter considers when determining your life insurance premium are age, health history, occupation, income, smoking or tobacco use, alcohol use, hobbies, and foreign travel.

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.

Life insurance companies use underwriters to determine how risky it is to issue a life insurance policy to Life insurance companies use underwriters to determine how risky it is to issue a life insurance policy to life insurance policy to you.

Chartered Life Underwriter (CLU) A professional designation (achieved by passing a series of examinations) demonstrating knowledge of life insurance products and their potential uses to meet business, estate planning, retirement planning, and other objectiLife Underwriter (CLU) A professional designation (achieved by passing a series of examinations) demonstrating knowledge of life insurance products and their potential uses to meet business, estate planning, retirement planning, and other objectilife insurance products and their potential uses to meet business, estate planning, retirement planning, and other objectives.

Your answers to all of these questions along with your medical exam are what the life insurance underwriter will use to assess your risk.

These statistical results can then be analyzed and used by insurance underwriters and insurance companies to calculate what your life insurance rates will be at any age and with any health 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.

A life insurance underwriter will ask what types of nicotine product (s) you use, and how long you have used them.

Typical factors an Anaheim insurance underwriter considers when determining your life insurance premium are age, health history, occupation, income, smoking or tobacco use, alcohol use, hobbies, and foreign travel.

When the life insurance underwriters find out that you have been diagnosed with sleep apnea, but you are non-compliant (e.g. a doctor prescribed you a CPAP device but you do not use it) your insurance costs will reflect this.

The life insurance underwriter will use your answers to these questions to assess the severity of your illness.

Buying term life insurance when you reveal a history of smoking tobacco, using smoking cessation products or smoking marijuana, is possible but you will need to know what life insurance underwriters are looking at and just how to take advantage of your application timing to lock in the best rates possible.

Ipratropium Bromide or Atrovent is a prescription medication that is sure to «peak» an insurance underwriters interest when seeing it on a traditional term life insurance or whole life insurance application mainly because it is frequently used to help alleviate many of the symptoms associated with some pretty serious pre-existing medical conditions.

Underwriters are used by health, auto, life and home insurance companies.

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.

Underwriter: In life insurance, used to designate that official or person in the home office who, collating all the facts about the risk, accepts the risk and assigns the rate, or declines the risk — the home office uUnderwriter: In life insurance, used to designate that official or person in the home office who, collating all the facts about the risk, accepts the risk and assigns the rate, or declines the risk — the home office underwriterunderwriter.

Insurance company is going to just flat out ask you if you are experiencing regular menstruation periods, but what they will do is use your life insurance application to «gleam» information that may lead to an insurance underwriter wondering if you are in fact amenInsurance company is going to just flat out ask you if you are experiencing regular menstruation periods, but what they will do is use your life insurance application to «gleam» information that may lead to an insurance underwriter wondering if you are in fact ameninsurance application to «gleam» information that may lead to an insurance underwriter wondering if you are in fact ameninsurance underwriter wondering if you are in fact amenorrhoeic.

Posted in A1c, approval, BMI, impaired risk life insurance, insurance, life insurance, life insurance approval, mortality, mortality risk Tagged AIG, American General, approved as applied, CRL Labs proprietary methodology, Exam One, high A1c, high bmi, insurance, life insurance, methodology meshed with other factors, relevance to mortality risk, Risk IQ, sales support didn't understand, Smart Score, Smart Score used incorrectly, underwriter didn't understand, underwriting methodology