Sentences with phrase «applicants for life insurance who»

While there are many applicants for life insurance who can easily qualify for coverage — even with a required medical exam — there are others who may not be so lucky.

Not exact matches

Therefore, term life insurance is typically less costly than permanent life insurance — especially for those applicants who are younger and in good health.

The company said applicants who have tested HIV - positive, are between the ages of 30 and 65, and meet certain criteria, can apply for individual life insurance for up to $ 2 million.

The decision, P.L.F.R. and Intact Insurance Company (Tribunal File # 16-000145 / AABS) is about an applicant who suffered serious life - threatening injuries in a multi-vehicle accident on October 2, 2015 that required her to be airlifted to a trauma centre for emergency surgery.

These include applicants who are in good health and who may be able to qualify for a preferred premium rate, to those who have severe health conditions — and who may even be considered as uninsurable by other life insurance companies.

Underwriter: The individual or team within a life insurance company who is trained to evaluate the insurability and determine the classification of applicants for insurance protection.

It is important to note that because the applicants for guaranteed issue life insurance are typically those who have health issues, the premiums for these policies are much higher than those of traditional life insurance plans.

We can not provide life insurance quotes or coverage for temporary residents, including anyone with a work permit or visa, permanent residents without their green card, or applicants who have not yet received their green card.

These policies are excellent for young applicants who want to get affordable life insurance.

For example, final expense life insurance is most often purchased by those who are between the age of 50 and 80 years old — and there are some insurance carriers that may offer final expense insurance to applicants who are older.

This means that there is no blood and urine testing to worry about — and because of the no medical exam process, oftentimes, an applicant who has certain health issues will still be able to qualify for coverage, such as with a guaranteed issue life insurance policy.

For instance, many burial insurance policies do not require an applicant to take a medical examination as a part of the approval process — and because of this, those who may have an adverse health condition may still be able to qualify (even if they have been turned down for medically underwritten life insurance in the pasFor instance, many burial insurance policies do not require an applicant to take a medical examination as a part of the approval process — and because of this, those who may have an adverse health condition may still be able to qualify (even if they have been turned down for medically underwritten life insurance in the pasfor medically underwritten life insurance in the past).

For example, because many people who purchase no medical exam life insurance are over age 50, it is likely that these applicants are riskier to a life insurance company — and because of that, the premium that is charged for no medical exam coverage is typically more than that of a comparable medically underwritten plFor example, because many people who purchase no medical exam life insurance are over age 50, it is likely that these applicants are riskier to a life insurance company — and because of that, the premium that is charged for no medical exam coverage is typically more than that of a comparable medically underwritten plfor no medical exam coverage is typically more than that of a comparable medically underwritten plan.

It's totally unheard of for any final expense life insurance company to have a problem with applicants who take cholesterol medications.

It is the most affordable way to buy life insurance especially for those applicants who are younger and in good health when they apply for coverage.

Not all life insurance companies underwrite alcohol the same; for example, while one insurance company will not offer a Preferred class to an applicant who had a DWI within the last five years, another insurance company won't offer Preferred if that DWI was within the last seven years.

Table ratings for life insurance coverage are an extra charge that is added on top of the standard life insurance rates used to quote applicants who have health issues.

Liberty Mutual, an A rated company founded in 1912, provides a streamlined simplified issue term life insurance product with an instant decision and no medical exam, for those applicants who wish to expedite the underwriting process.

Here's how our underwriting experts rank the best life insurance companies for former smokers are, in terms of the rates they offer and how flexible they are in working with applicants who are former smokers:

Fast Company highlights one life insurance applicant who was declined after BRCA testing, because it resulted in a positive result for the BRCA1 gene.

Given these risks, most life insurance companies deny coverage to an applicant who tests positive for addictive drugs, including cocaine, meth, heroin, non-prescription painkillers or opioids.

Although many applicants can easily qualify for the life insurance protection that they require, there are others who — because..

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.

Many applicants who have been turned down for life insurance due to an adverse health condition or for participating in risky activities may feel that there is nowhere else to turn for getting the coverage that they need.

Luckily, most life insurance companies will approve applicants who suffer from sleep apnea, and some of these applicants may even qualify for preferred or preferred plus health classification ratings.

In some cases, an applicant who is able to lower his or her risk, for instance by ceasing the risky activity or lowering their blood pressure, may even be able to re-apply for standard life insurance coverage at a future time.

You can learn more about how life insurance companies evaluate applicants who are non-U.S. citizens in this blog post: Life Insurance for Non-US Citizlife insurance companies evaluate applicants who are non-U.S. citizens in this blog post: Life Insurance for Non-US insurance companies evaluate applicants who are non-U.S. citizens in this blog post: Life Insurance for Non-US CitizLife Insurance for Non-US Insurance for Non-US Citizens.

A pre-screen is a very simple process of reviewing an applicant's medical conditions, dangerous sports or occupation with several life insurance companies to see who will give the best offer to the applicant which in essence is just another word for the lowest premium.

Over 90 % of the applicants who want life insurance for boat racing wants it to cover them while driving.

Every now and then, we'll get a call from an applicant who has been diagnosed with amyloid disease and is wondering if they'll be able to qualify for a life insurance policy.

Life insurance is no exception to the rule, that is why we use over 40 trusted life insurance companies to make sure we know who will be the correct fit for our perspective applicaLife insurance is no exception to the rule, that is why we use over 40 trusted life insurance companies to make sure we know who will be the correct fit for our perspective applicalife insurance companies to make sure we know who will be the correct fit for our perspective applicants.

Because most applicants who are 37 - years - of - age are healthy, their health status typically allows them to easily opt for an affordable 20 to 30 - year term life policy that is seen as a low - risk by the insurance companies.

At Gerber Life Insurance Company, whole life insurance can be purchased with face amounts of between $ 25,000 and $ 150,000 for applicants who are between the ages of 18 and 50 years Life Insurance Company, whole life insurance can be purchased with face amounts of between $ 25,000 and $ 150,000 for applicants who are between the ages of 18 and 50 yInsurance Company, whole life insurance can be purchased with face amounts of between $ 25,000 and $ 150,000 for applicants who are between the ages of 18 and 50 years life insurance can be purchased with face amounts of between $ 25,000 and $ 150,000 for applicants who are between the ages of 18 and 50 yinsurance can be purchased with face amounts of between $ 25,000 and $ 150,000 for applicants who are between the ages of 18 and 50 years old.

In fact, Banner Life has made a name for itself in the life insurance industry as a company that can be relied upon for offering coverage to applicants who may not be in the best of heaLife has made a name for itself in the life insurance industry as a company that can be relied upon for offering coverage to applicants who may not be in the best of healife insurance industry as a company that can be relied upon for offering coverage to applicants who may not be in the best of health.

A physical may be necessary for cause and for term life insurance applicants age 51 and older who apply for more than $ 100,000 of coverage.

Those applicants who have been rejected due to risk factors can still apply for high risk life insurance.

Because of this, term life insurance is often very affordable — especially for those applicants who are younger and in good health at the time they apply for the coverage.

For example, companies usually offer whole life insurance policies or endowment life insurance policies to applicants who do not qualify for the term life insurance policy they applied for (due to health issues, or other concerFor example, companies usually offer whole life insurance policies or endowment life insurance policies to applicants who do not qualify for the term life insurance policy they applied for (due to health issues, or other concerfor the term life insurance policy they applied for (due to health issues, or other concerfor (due to health issues, or other concerns)

It is important to note, however, that because the applicants who purchase no exam life insurance are often considered to be a higher risk to the insurance company due to their age and / or health, the premium that is charged for this coverage is usually higher than the cost of a comparable plan that has medical underwriting.

For instance, here are a couple sample life insurance quotes for applicants with a BMI classification of overweight, who would have preferred life insurance ratFor instance, here are a couple sample life insurance quotes for applicants with a BMI classification of overweight, who would have preferred life insurance ratfor applicants with a BMI classification of overweight, who would have preferred life insurance rates.

An applicant who has not used nicotine in the past one year may qualify for a standard life insurance rate with most of our companies, but he or she must test negative for any nicotine byproducts or cotinine.

Guaranteed issue life is specifically designed for applicants who are otherwise ineligible for life insurance and don't want to complete the detailed medical questionnaire and physical exam that are normally part of the underwriting process.

Typically, an agent who specializes in high - risk life insurance cases will represent all of the major life insurers who have a reputation for finding a way to insure an applicant with diabetes at very affordable rates.

Though life insurance applicants seem to be healthier than the average American, those who do have health ailments and / or certain habits end up paying significantly more money for their policies.

Applicants who are applying for life insurance with a medical history of Addision's disease are typically best served avoiding some of the larger national insurance brokers who are generally unwilling to write what they consider to be «High Risk Life Insurance» simply because they generally don't «fit» into their business molife insurance with a medical history of Addision's disease are typically best served avoiding some of the larger national insurance brokers who are generally unwilling to write what they consider to be «High Risk Life Insurance» simply because they generally don't «fit» into their busineinsurance with a medical history of Addision's disease are typically best served avoiding some of the larger national insurance brokers who are generally unwilling to write what they consider to be «High Risk Life Insurance» simply because they generally don't «fit» into their busineinsurance brokers who are generally unwilling to write what they consider to be «High Risk Life Insurance» simply because they generally don't «fit» into their business moLife Insurance» simply because they generally don't «fit» into their busineInsurance» simply because they generally don't «fit» into their business model.

If we try to apply for a traditional life insurance policy that will require a medical exam or will ask health related questions the applicants who are currently receiving dialysis simply won't qualify!

A guaranteed issue life insurance policy is a life insurance policy that will not require an applicant to take a medical exam or answer any health related questions in order for him or her to qualify.These policies are typically reserved for those who can not qualify for any other type of life insurance.

The medical examination of an applicant for life insurance or a claimant by a physician who acts in the capacity of the insurer's agent.

Table rates are life insurance rates that fall just below «Standard» or «Normal» life insurance rates and are generally reserved for those applicants who are deemed «higher risk».

A table rating is a life insurance rate that is generally reserved for those who are consider a «greater risk» than a normal or standard life insurance applicant.