Sentences with phrase «health classification ratings»

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.

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.

Not exact matches

While drug use estimated from public health data is roughly equivalent across racial classifications (top), police using a predictive policing algorithm in Oakland, Calif., would target black people at roughly twice the rate of whites (bottom).

The Cougar's Den Pre-School program developed a food program, health program, and showed documentation proving that the program serves all students, regardless of Special Education classifications in order to receive state licensure, the first pre-requisite to being rated by Paths to Quality.

Again, when gathering your life insurance quotes, choose your health classification carefully to receive accurate rates.

It's doubtful that the range of someone's classification would span the entire rating spectrum — based on what you know about your own health and habits, you should have an idea of whether you're closer to one end or the other — but there are still real cost considerations involved in smaller jumps.

To qualify for the S.T.A.R.T. distinction, a business must earn a total recordable incident rate below Occupational Safety and Health Administration's average rate in its North American Industry Classification System or NAICS.

Criteria Description Fish Toxicity Measure of the acute toxicity to fish (both saltwater and freshwater) Daphnia Toxicity Measure of the acute toxicity to Daphnia (invertebrate aquatic organisms) Algae Toxicity Measure of the acute toxicity to aquatic plants Persistence / Biodegradation Rate of degradation for a substance in the environment (air, soil, or water) Bioaccumulation Potential for a substance to accumulate in fatty tissue and magnify up the food chain Climatic relevance Measure of the impact a substance has on the climate (e.g., ozone depletion, global warming, etc.) Other Any additional characteristic (e.g., soil organism toxicity, WGK water classification, etc.) relevant to the overall evaluation but not included in the previous criteria 1.3.3 Material Class Criteria The following material classes are flagged due to the concern that at some point in their life cycle they may have negative impacts on human and environmental health.

Sample life insurance rates are subject to change and do not reflect what your rates or health classification will be.

But if you combine the two... a smoker with diabetes may push the health classification down below Standard Tobacco rates, since the combination of the two is very harmful.

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).

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).

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

The health classification into which an applicant falls can have a profound effect on the cost of coverage, and it is important for insurance shoppers to understand the various classifications insurance companies use to rate their policyholders.

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.

Most people believe that they're healthy and will pick automatically choose the «Preferred Plus» health classification... in fact over 65 % of quotes on our website are run at «Preferred Plus» rating.

Table Rating — Table rating is a price increase applied on top of a risk classification based on your health and medical exam reRating — Table rating is a price increase applied on top of a risk classification based on your health and medical exam rerating is a price increase applied on top of a risk classification based on your health and medical exam results.

Related to mortality tables are health classifications — essentially how companies rate you based on your health and health history.

It's doubtful that the range of someone's classification would span the entire rating spectrum — based on what you know about your own health and habits, you should have an idea of whether you're closer to one end or the other — but there are still real cost considerations involved in smaller jumps.

(The most common life insurance classifications, in order from highest health rating to lowest, are Preferred Plus, Preferred, Standard Plus, and Standard.

People whose health ratings are even worse than the Standard classification are assessed with a table - rating system.)

An applicant rated as «substandard risk» is commonly in poor health, has already manifested a preexisting condition that is beyond the standard risk classification (based on the underwriting review), or might engage in a dangerous hobby or occupation.

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.

Additionally, you may be worried about how cholesterol could affect your rates, or how being overweight or HIV positive could change your health classification.

Just like with non-smokers, smokers have multiple health classifications that affect final rates.

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.

You're put into a classification based on a number of factors — age and health, but also driving record, hobbies, and more — and will be rated accordingly.

A paramedical exam, attending physician statements, and research into your prescription history will tell an underwriter what they need to know to define your health classification and, ultimately, your rates.

Substandard This isn't a specific rating classification like the others; instead, based on your health and history, you're placed in what's called a table rating system, graded by either letters or numbers (typically either A-J or 1 - 10).

On top of the classification which has been assigned to you based on your health assessment, a table rating could be assigned.

Choose your health classification carefully in order to receive accurate rates.

No other health issues While most companies would give Standard and even Sub-Standard rates, we were able to obtain a «Preferred» health classification with one company.

Many of the insurers we represent apply healthy credits, which can improve health classifications from standard up to a preferred rate class, in some cases.

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

Most companies will give you smoker rates and sometimes a lower health classification, but if you use the right life insurance company, you can get around that.

Although every company assigns ratings differently, most people with high cholesterol receive a rating of Standard or Standard Plus health classification.

Also, there's no way to provide an average cost of a million dollar life insurance policy, so for a quick reference, lets look at some sample rates for $ 1,000,000 of coverage at a «preferred» health classification, non-smoker and monthly rates.

All of these factors come into play when determining your life insurance health classification which ultimately determine whether or not you qualify for preferred life insurance rates.

If you have two or more stents, you may still qualify for life insurance, but it will mean higher table ratings and a lower health classification.

Your life insurance health class is a classification system that assists life insurers in rating proposed life insurance policies.

It's true — while one company might offer you a Standard health classification, another company might offer you a health classification that would double your rates!

SubStandard (Table Rating): This group of health classifications ranges from Table 1 (+25 % of standard rates) to Table 8 (+200 % of standard rates).

Then run «Standard» or «Regular» rates on our life insurance quote engine (they're the same health classification).

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.

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.

Your insurance rates will be based on the health classification you are assigned after a complete underwriting review of your medical history.

This plan will often have the lowest rates in the country at the average (standard) health classification for pricing.

Rates are for informational purposes only and in no way reflect the health classification or premium payment you will qualify for.

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