Sentences with phrase «application most life insurance companies»

If you don't choose a dividend option at the time of application most life insurance companies apply dividends to purchase paid up addition.

Not exact matches

One of the best ways to expedite this process is to find an experienced and knowledgeable life insurance agent who understands the nature of application factors, classifications, rating tables, and which companies are most likely to agree to insure someone with your particular profile.

Most life insurance companies will consider an application for term life insurance from a Non-US citizen.

Again, using the most applicable company for a high - risk life insurance application is critical.

Everything from their application, to their underwriting process, to the types of coverage they offer, is in the traditional tradition and is similar to most other life insurance companies.

This process happens once you send your application (and most times, medical exam) in to the company you've applied for life insurance with.

Note: Most life insurance policies contain a «2 year contestability period» which allows the insurance company to investigate any death within the first 2 years of coverage, to ensure the insured person did not lie or misrepresent him / herself on the original application.

Although some life insurance companies offer term life policies that don't require a medical exam, most insurers do review your physical exam results before approving your policy application.

It's during this waiting, however, that the most important part of the application period actually takes place: your life insurance company decides your final premiums.

Most life insurance companies do not accept applications from people aged 80 or over and sometimes younger than that.

All life insurance companies underwrite the applications differently and an experienced broker will know what would be the best and the most appropriate company to apply with for their client's specific details.

We work hard to choose the correct company for our clients to make sure we are using a company with the lowest life insurance rates and have the most favorable view of our applicant's specific information on the application.

Here are some of the most important items a life insurance company looks for on a application.

For most life insurance companies (if not all), being diagnosed with amyloid disease will trigger an automatic decline during a traditional life insurance application process.

Simply using the most appropriate company for your specific health history and lifestyle is by far the most important part of the life insurance application process.

Keep in mind that all life insurance companies underwrite their applications differently which means the most applicable company should be used for each individual specific needs and health history.

And while some life insurance companies now offer non-medical term life insurance, most still require you to complete a life insurance paramed exam as part of the application process.

In most states, a life insurance company can deny payment on a policy if it discovers a misrepresentation in the application that is «material» ---LSB-...]

We can help you assess your chances of being approved, prepare for your application, and determine which life insurance companies are most likely to provide coverage.

Like most life insurance applications from other companies, you simply fill out the application and prepare for an exam.

Using the most appropriate company for your specific health history and lifestyle is by far the most important part of the life insurance application process.

This is particularly true for breast cancer survivors since most insurance companies will follow very similar underwriting guidelines when approving an application for a fully underwritten term or whole life policy.

Guaranteed life insurance, the most expensive type of coverage, does not require that you take a medical exam as a part of the underwriting process and companies ask very few medical - related questions on the application.

To the best of our knowledge, most, if not all, life insurance companies are going to immediately deny any application from someone who has been diagnosed with diffuse cerebral sclerosis when applying for a traditional term or whole life insurance policy.

And while we never like to say never or impossible, in our experiences here at TermLife2Go, what we've found is that most (if not all) life insurance companies are simply going to deny any application for a traditional term life insurance or whole life insurance policy immediately upon learning that the applicant has been previously diagnosed with pancreatic cancer.

Our advise it always to be as honest as possible during a life insurance application, because its good advice and because there is a «contestability clause» to most if not all life insurance policies that states that if you intentionally misrepresent yourself or your health on a life insurance application, the insurance company can decide later on not to «honor» the actual policy.

Most life insurance companies will typically prefer that individuals wait at least six months to a year after they've recovered from their meningitis before they'll consider your life insurance application.

When it comes to being able to qualify for a traditional term or whole life insurance policy after being placed on peritoneal dialysis, what you're generally going to find is that most (if not all) life insurance companies are going to automatically decline your life insurance application until which time, your health improves to the point that you no longer need to be on peritoneal dialysis.

With most life insurance agents and most life insurance company underwriters, the mere mention of a history of seizure disorders or epilepsy is enough to bring the conversation and the application to a screaming halt.

Here at TermLife2Go, we've worked very hard to partner up with dozens of highly rated life insurance companies so that when we are confronted with even the most «challenging» application we'll often be able to find coverage for them!

Over the counter and prescription drug medications used to treat allergies should be disclosed on your application, but most life insurance companies will not penalize you for allergies.

Most life insurance companies require their applicants to complete a free in - home medical exam before approving their life insurance application.

Insurance companies and doctors share information through the MIB (Medical Information Bureau), and most life insurance companies will review these records before approving an application for more than $ 25,000 of Insurance companies and doctors share information through the MIB (Medical Information Bureau), and most life insurance companies will review these records before approving an application for more than $ 25,000 of insurance companies will review these records before approving an application for more than $ 25,000 of coverage.

Most life insurance applications will have extensive questions about your health, your lifestyle, whether or not you smoke, and even your parent's health history as a way to determine the kind of risk you pose to the insurance company.