Sentences with phrase «better health classification»

On the flipside of that, if your health is the same, we'll look to see if any other life insurance companies will give you a better health classification which can lower your premiums as well.

Also, if you've had a health issue for a while and have demonstrated control over a long period of time, you may receive a better health classification than when you were first diagnosed.

It depends on the severity and type of cancer; certain cancers, like thyroid, prostate, and testicular, are more likely to get you a better health classification (and therefore rate) with select insurers.

Just like tobacco smoking, the less you smoke, the better your health classification will be and the lower your premiums will be.

And as you know, the better the health classification, the lower the life insurance premiums.

So a 36 year old male with no medications and no history of health issues should be approved at a better health classification than the male, age 36, who applies for guaranteed term life insurance, but has a history of a seizure disorder, just as one example.

The 65 year old who has had diabetes for 10 years will probably obtain a much better health classification than a 45 year old who has had diabetes for 10 years.

It all revolves around putting in the effort to choose the most applicable company and the best health classification for their client.

You can get their best health class if you quit smoking 3 years ago (most of the industry makes you wait 5 years); high blood pressure and cholesterol treated with medications can qualify for the best health classifications; if you're over 50 years old and are diabetic, you can qualify for «Standard» rates; family history of cancer doesn't exclude you from the preferred plus rating either (most companies it does).

Other companies will take you at their best health classification.

If you have not completed a sleep study within the last 3 years, the company may require you to have the test done before you will receive approval or good health classification ratings.

Also being placed in the best health classification you can qualify for.

A good agent will know which company will give the best health classification, and therefore lowest premium....

With this information, an agent can compare the medical guidelines of each life insurance company offering policies California to determine which carrier will probably offer the best health classification.

With all that said, it becomes a matter of which company is going to give you the best health classification based on YOUR unique individual risk.

From there, it provides us with the best health classification and rates.

Every year you wait results in higher premiums and you run the risk of contracting a medical condition that may result in you not qualifying for the best health classifications.

Not exact matches

The gluten content of Kebari ® barley is less than 5 parts per million (ppm), well below the limit of 20 ppm recommended by the World Health Organization (WHO) for classification as gluten - free.

However, the gluten level is well below the level recommended by the World Health Organisation for classification as gluten free.

NCI director Richard Klausner agreed that existing racial classifications «are not scientifically sound,» and he told Specter's subcommittee that NCI «has gone well beyond» them in recent health surveillance efforts.

They have some of the best priced no exam term and universal life insurance polices because they have different health classifications: Preferred, Standard and Rated (most no exam companies have 1 health class and you either qualify or you don't).

So if you're both in excellent health, you get somewhat of a downgrade in health classification here, as the best you can qualify for is standard.

All that means is if you received, for example, a Table 4 health classification from every carrier on the market, Banner would probably be the best priced most of the time — at least in the top 3.

Keep in mind that the best life insurance rates with epilepsy will be at a Standard health classification.

Back in 2009, a «Standard» health classification used to be the best case scenario.

Rates quoted would apply to female, non smoker, who can qualify for best class health classification.

A life policy may have from 1 to 20 health classifications, everything from preferred best (normally reserved for monks and triathletes) to table 16, which is a 500 % increase in price over «standard» rates.

Mitral Valve Prolapse is actually a very common medical condition and under the right conditions, can qualify for the best life insurance health classification — preferred plus.

Ten or more years out, depending on your overall health, lifestyle and the insurer you choose, you may be able to get a better classification — and lower rates.

Life Insurance Applicants and Basic Classifications Upon completing a medical exam, your insurer will look at your test results as well as other factors such as family health history and lifestyle choices and fit you into a classification or category.

Here's a list of those health classifications from best (preferred plus) to worst.

For example: those who develop diabetes in their 50's receive better life insurance health classifications than those who were diagnosed in their 30s or 40s.

If you're in average to good health and can qualify for Standard, Standard Plus, Preferred or Preferred Plus health classifications, an individual term life insurance policy will be less expensive than what the AICP offers.

However, an good high risk life insurance agent can sway an underwriters opinion if they're on the cusp of one health classification or another.

If you've gotten healthier since your policy was issued or stopped smoking, you should first apply for a reconsideration of health classification, which will potentially lower your premiums if approved at a better rate class.

• Sage Term Life Insurance: Sagicor's no - exam policy offers multiple health classifications (to help you get the best rate) and uses the company's own accelerated underwriting process which gets you approved in minutes without the need for a medical exam or physician statements.

In order to qualify you do need to be in good health but there are different classifications.

The $ 180 Jawbone UP3 adds heart health monitoring, automatic activity classification, and better sleep tracking, and Jawbone says additional heart rate data will be available through a future firmware update.

• Technical knowledge of coding and classification software • Strong communication and teamwork abilities • Enthusiastic about helping others advocate for their health • Familiarity with hospital policies • Good problem solving skills

For the parent report version of the SDQ used in the current study, the new four - band classification system for total difficulties scores is as follows: 0 — 13 «close to average», 14 — 16 «slightly raised», 17 — 19 «high» and above 19 «very high».17 For the purposes of analysis, we considered that all children with a total difficulties score below the threshold for high risk of emotional or behavioural problems (< 17) had «good» mental health.18 — 20 The SDQ has previously been found to be acceptable, 21 reliable and valid22 among the SEARCH cohort.