Sentences with phrase «life insurers consider»

Life insurers consider several different factors when deciding what they will charge you for your life insurance policy.

Your weight is another factor that life insurers consider.

Not exact matches

Though each insurer has its own questions for no medical exam life insurance, you will typically be rejected or want to consider guaranteed issue life insurance if:

Steve Gay, director of life savings and protection at the Association of British Insurers (ABI), said that any removal of the restrictions should only be considered if there is evidence to show that they are an obstacle.

Though each insurer has its own questions for no medical exam life insurance, you will typically be rejected or want to consider guaranteed issue life insurance if:

If you're considering coverage from Gerber Life, or any insurer, make sure that you clearly understand exactly what you're paying for.

If you have a health condition that you're certain will dramatically shorten your lifespan, then turning over savings to an insurer for the promise of lifetime payments probably doesn't make much sense (although you should also consider the life expectancy of your spouse or significant other, if you have one).

Another important factor that insurers consider is where you live.

If you're considering whole life insurance policies from two insurers with the same features and premiums, that one insurer offers dividends is certainly an advantage to note.

Since insurers consider your habits and lifestyle to determine your life insurance rates, smoking will impact on how much you will pay as premium.

Finally, even if you decide that this approach of combining an annuity with conventional investments makes sense, you would still want to consider such prudent steps as shopping around to make sure you're getting a competitive payment, annuitizing gradually rather than all at once, diversifying your annuity money among a few highly rated insurers and limiting the amount you invest with any single insurer to the maximum amount covered by your state's life and health insurance guaranty association.

EquiTrust Life Insurance Company is considered to be stable financially, and because of that, the company has earned the following ratings from the insurer rating agencies:

Insurers determine future payments based upon the life expectancy of the annuitant, so you should consider setting payments for your beneficiary based upon a longer life expectancy if you want regular payments in the future.

The financial strength and claims paying ability of Minnesota Life Insurance Company has ranked the company among the most highly rated insurers in the nation — and, the company is considered to be the third largest direct writer of group life insurance in the United StaLife Insurance Company has ranked the company among the most highly rated insurers in the nation — and, the company is considered to be the third largest direct writer of group life insurance in the United Stalife insurance in the United States.

There are some causes of death that are considered common life insurance exclusions that can prevent your insurer from paying out your death benefit.

NOTE: Most insurers require that you quit smoking for at least 1 Year before they will consider re-evaluating you AND, if you are an occasional user of tobacco products or marijuana, some insurers will give a break, but you need to call Huntley Wealth at 877 — 443 — 9467 so we can find the best life insurers for you!

False or misleading information may be considered an attempt to defraud the insurer, the life settlement company, or both, which could also lead to consequences like the ones described above.

If so, please take a look at the list below to see which insurers are considered some of the best term life carriers in America.

Thrivent Financial is a top rated insurer that should be considered as a viable option in the life insurance marketplace.

Most insurers require cancer to be in remission for at least 2 years before they would consider either a term or whole life policy.

When determining how much a tobacco chewer should pay, lenient life insurers will consider the age, weight, height, frequency of tobacco chewing, general state of health and the family medical history of their prospective client.

Because of these staggering statistics, diabetics are considered a higher risk by life insurers, sometimes making it very challenging to find affordable life insurance coverage.

Contract A life insurance policy is considered a legal contract between the insurer and the owner of the policy.

No matter what your reason for considering guaranteed issue life insurance may be, it's always a good idea to get at least three quotes from various reputable life insurers before make a decision.

As the second largest seller of universal life insurance policies in Texas, what type of insurer are they considered in the state of Texas?

While life insurers calculate the life insurance premiums for every individual, there are a few factors that are considered.

When it comes to finding quality life insurance coverage that meets your family's individual needs, look for an insurer who considers your situation.

And while there is no guarantee, more life insurers are willing to consider applicants with a history of illness on a case to case basis.

Insurers consider the applicant's age, health history (self and family), driving records, employment, hobbies, etc. while determining how to calculate the premium of life insurance.

The insurer will only consider the claim if the life insured is alive when the diagnosis was performed.

While many people may be familiar with life insurance policy premiums and benefits, it is also important to understand that insurance policies are considered to be legal contracts between the insurer and the insured.

American General Life Insurance Company is considered to have a strong financial foothold, and because of that, the company has attained positive ratings from all of the major insurer ratings agencies.

Therefore, when considering the purchase of a life insurance policy, it is important to keep in mind that the policy will constitute a legal contract between the insurer and policy owner.

Banks will consider affiliations with multiple insurers in the life insurance, non-life insurance, as well as independent health insurance sectors.

If you're considering coverage from Gerber Life, or any insurer, make sure that you clearly understand exactly what you're paying for.

As you can see, there are a number of different factors an insurer must consider when qualifying you for life insurance as a scuba diver.

There are some causes of death that are considered common life insurance exclusions that can prevent your insurer from paying out your death benefit.

If you are considering buying a term life insurance policy you should also consider the Term Life Insurance Companies Ratings before you choose an insulife insurance policy you should also consider the Term Life Insurance Companies Ratings before you choose an insuLife Insurance Companies Ratings before you choose an insurer.

Insurers consider your life expectancy, which is why it's important to buy your life insurance when you're young, so you can lock in at the lowest life insurance rates possible.

Even though they are perceived as «healthier», life insurers still consider e-cigarettes as a form of smoking and your rates will depend on the frequency of use and whether you test positive for nicotine.

The following are not considered a settlement under state insurance regulations: • A loan from an insurer under the terms of the life insurance policy (e.g., a policy loan) • A loan from a third party where the policy's cash value is used as collateral (collateral assignment) • A beneficiary designation without a transfer of value • A beneficiary designation of someone with an insurable interest in the insured

Although Columbus life may not be the most well known life insurer, its terrific financial strength rating empowers it to be a solid consideration, especially if you are considering a Universal or Indexed Universal life insurance policy.

A life insurance policy is considered a legal contract between the insurer and the owner of the policy.

Life insurers will consider your occupation and hobbies when determining premiums, Lurty says.

The insurer is going to consider where you live by zip code, female or male, age, marital status, prior insurance coverage, vehicle use including the make and model.

When choosing life insurance coverage, it is important to make sure that you are moving forward with the right type and amount of protection, and that the insurer you are considering buying the coverage through is secure and stable financially — and that it has a positive reputation for paying out its policyholder claims.

As always, this Baltimore Life Insurance Company review is our own opinion, and all things should be considered before placing your business with any insurer.

The company has grown to become one of the top ranked life insurers in the U.S. and is part of the AEGON group of companies, which is considered to be one of the largest insurance organizations globally.

If you already have your other insurances with Allstate, it may be the simplest to just add your life insurance right into the mix, though you will likely pay slightly higher than other private insurers, especially if you're considering the Basic Term plan.

At least, more and more insurers recognize the necessity to consider life coverage under specific conditions and acknowledge that HIV and insurance are no longer mutually exclusive.