Sentences with phrase «better life insurance health classifications»

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.

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.

Not exact matches

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 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.

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

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

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.

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.

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.

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.

• 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.