Sentences with phrase «health rate class as»

The reason for this is that if you have a pre-existing condition such as diabetes, depression, previous heart condition, etc, etc... chances are, you're not going to qualify for a simplified issue life insurance policy, at least not at the same health rate class as you would receive had you taken an exam.

Not exact matches

The «health class» question that we ask when generating a quote for life insurance is based on the different categories a life insurance company may rate you as an «applicant».

If you suffer from other health conditions such as diabetes, Multiple Sclerosis, Crohn's disease, sleep apnea, or have a history or cancer, heart disease, or stroke — you will need to work with us to get a customized high risk life insurance quote, because you will likely not qualify for any of the rate classes in our instant life insurance quotes tool.

This is why I say the health class otherwise known as your rate class is so very important.

So if you get a quote for a 44 year old healthy male, for 10 year term life insurance, and find that Ohio National shows up as having the lowest quote, assuming you can qualify for their best health class, just be careful to check with an agent to make sure you can actually qualify for that rate.

Most people aren't in as good as health as they were the first time that they applied for life insurance, which means that they will get a much lower rating class.

As Legal & General's flagship life insurance company in the United States, they offer very competitive rates for all health classes and their policies are convertible to a whole life policy up to age 95.

For certain age bands and health classes, their term life insurance rates can be very competitive as well.

With an accurate health profile, the life insurance company can place you in the appropriate rate class, and charge you according to your specific health situation, not averaged in with those are not as healthy.

As long as you have a clean health history, driving record, and prescription history, you will likely be approved for either preferred plus or preferred rate clasAs long as you have a clean health history, driving record, and prescription history, you will likely be approved for either preferred plus or preferred rate clasas you have a clean health history, driving record, and prescription history, you will likely be approved for either preferred plus or preferred rate class!

Life insurance rates are based on the actual underwriting health class as determined by the underwriting process.

Underwriters review the applicant's health information as well as other factors to determine what rate class will be assigned to the applicant.

Underwriters review the proposed insured's health information as well as other factors to determine what rate class is assigned to a propsed insured.

For example, though your health will qualify you for a specific health class you may drop in health class or be charged an additional flat rate based on other factors, such as whether or not you are a pilot or scuba diver.

Rating classes start as high as Preferred Non-Tobacco, and go as far down as a Table 8 sub-standard rating for those with health conRating classes start as high as Preferred Non-Tobacco, and go as far down as a Table 8 sub-standard rating for those with health conrating for those with health concerns.

This rate class will have the same health guidelines as a standard rate but will have a higher monthly premium since you are a tobacco user.

The life insurance shoppers who are the healthiest will qualify for # 1 health class rating: Preferred Plus (also known as Preferred Best).

You can think of this rating class as a snapshot of your overall health as determined by the answers regarding your health you provide on your application and by the results of your life insurance medical exam.

We'd like to see Haven Life include more information about who qualifies for each health class rating to make the selection process easier, as well as more accurate.

Insurance carriers take tobacco use into consideration as they determine your level of health and your rate class.

As an alternative you can convert to a decreasing term policy at the initial health rating class you were approved for or choose annual renewable term which is often...

The following sample Banner Life term rates are based on a 20 year term policy for a male who falls into a table B or table 2 health class as of February 2017.

These companies allow a cholesterol reading up to 300 and also allow you to be on a cholesterol lowering medication such as a statin and still remain eligible their best health rate class.

As an alternative you can convert to a decreasing term policy at the initial health rating class you were approved for or choose annual renewable term which is often more expensive or reapply with for a new policy.

Like other life insurance companies such as Protective and Primerica, ING bases their rates on the different health classes that applicants are placed into.

Similarly, our comparison of premiums vs death benefits and rate classes also highlights just how important your health is when comparing life insurance quotes, especially as the policy amount increases.

This risk class rating, or underwriting rating (also known as health rating), is a huge factor in determining the ultimate cost of insurance for the policy owner.

Table Rated / Sub-standard — While your actual rating will be contingent upon the seriousness of your condition, in addition to the age at which you're diagnosed as well as your overall health condition, it is likely you will fall somewhere in the sub-standard table or table rated underwriting cRated / Sub-standard — While your actual rating will be contingent upon the seriousness of your condition, in addition to the age at which you're diagnosed as well as your overall health condition, it is likely you will fall somewhere in the sub-standard table or table rated underwriting crated underwriting class.

An underwriter will review your application, medical exam results and additional information as needed and will assign you a health class, which your rates will be based on.

There are 12 different risk classes; our job as independent life insurance agents is to match our clients to the A + rated life insurance carriers offering the best rates for their specific age, health, and lifestyle.

AIG has great underwriting for; healthy people, those with sleep apnea are still eligible for the best health class as well as people taking a depression or anxiety medication can still qualify for the best rate class.

Choose «Standard» as your health class rating.

Depending on your health class rating or perhaps even your preferences, this policy is available on a fully underwritten basis as well as guaranteed issue life insurance.

Regardless of your current health, this valuable feature guarantees that you'll be eligible for the same rate class as the day your policy was originally approved.

If that company decides to decline you life Insurance coverage or if they determine you are a high risk health class then there's not much that agent can do for you.On the other hand, when you work with a life insurance broker who represents over 60 top rated life insurance companies, such as LifeInsuranceUnited.com, we work to match you up with the right company who looks upon your high risk life insurance situation in a more favorable manner.

If you have a more serious health condition like diabetes, cancer history, or heart issues, look at the «standard» rate class as best possible.

Applicants with these types of chronic or serious health issues may not qualify at all for what is referred to as «medically underwritten» life insurance coverage or be placed in a more expensive rate class.

Health, lifestyle and family history will affect those rates and may put applicants in a higher risk class; things such as high blood pressure, high cholesterol, being overweight or obese or having a parent who died prematurely.