If you apply with the life insurance company directly, and you're
approved at a different rate, you're stuck.
If you apply with the disability insurance company directly, and you're
approved at a different rate, you're stuck with that offer.
Also keep in mind that it is an application and it can be approved,
approved at a different rate if you've had health changes, or declined.
So, let's consider what it takes to get
approved at different rate classes.
Not exact matches
Using a complicated formula
approved by the court, the state funds magnet schools that accept students from several
different districts (
at a minimum there must be two)
at a per - pupil
rate that increases as the number of districts sending students increases — an attempt to bring central - city minority students and white suburban students together in the same school.
As they of course present
different risks than do fixed -
rate mortgages — it's a safe bet that
at least certain ARMs — vilified as they have become — wouldn't be included in any list of
approved «vanilla» products.
One insurance company may
approve you
at a Preferred
rating while an entirely
different company may offer you a Standard
rating.
With no exam life, there are
different levels, also called
ratings, which you could be
approved at.
For example, if you have diabetes one insurer may
approve you
at a Preferred
rating while a
different insurer may offer you a Standard
rating for your health classification.
However, if you apply for the same coverage through another insurance carrier, you could be
approved at a substantially
different premium
rate.
We here
at TermLife2Go will also, on occasion, reach out to several
different life insurance companies, prior to submitting your life insurance application, to see what «
rate» they think you might
approved at.