Sentences with phrase «how life insurance underwriters»
Continuing on with my interview of Will Millender, my hope is that his thoughts on obesity and it's impact on life will help foster further discussion about the problem and how life insurance underwriters view it.
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Break our article up this way so that not only can you get a general idea about what it will be like to apply for life insurance after having been diagnosed with breast cancer but also so that you can gain a better understanding of how life insurance underwriters will view applications from breast cancer survivors over time.
In this article we'll cover how life insurance underwriters view electronic cigarettes.
It's also going to be difficult to provide an accurate life insurance quote for someone who has been diagnosed with bigeminy or premature ventricular contraction simply because unless we know what the «root» cause of your bigeminy we simply won't know for sure how a life insurance underwriter will treat your life insurance application during the underwriting process.
Not exact matches
Our in - house underwriter has worked in many carrier home offices, knows how to navigate each individual's health and lifestyle history, and knows which life insurance company would be the best option for your individual case.
Life insurance underwriters use algorithms to determine how much your premium will cost, and these are based on a wide range of factors, including:
The following is a quick overview of general health issues that term life insurance underwriters look at in determining how much you will pay for your coverage.
Quotacy's team has years of experience getting clients life insurance coverage, including individuals with MS.. Our in - house underwriter has worked in many carrier home offices, knows how to navigate each individual's health history, and knows which life insurance company would be the best option for your individual case.
One of the best ways to determine if a life insurance company is right for you is to look at how their underwriters view applicants.
Life insurance companies use underwriters to determine how risky it is to issue a life insurance policy to Life insurance companies use underwriters to determine how risky it is to issue a life insurance policy to life insurance policy to you.
Because there are no lab results to negatively affect how the underwriters look at your future health, you can often get more coverage more quickly with the simplified life insurance plan.
Equally important to a life insurance underwriter is how well controlled your diabetes is.
She frequently speaks about insurance products and how terrible they are for the consumer, but she doesn't have a ChFC (Chartered Financial Consultant) or CLU (Chartered Life Underwriter) after her name either.
Accessing your medical information allows your life insurance company's underwriters to estimate how much risk they are taking on by insuring you and most term life insurance policies will require you to take a medical exam.
However, these questions usually aren't listed on a life insurance application, so how are underwriters supposed to know?
When it comes to applying for life insurance, underwriters evaluate your application and decipher how much of a risk you would be to insure.
After determining your coverage needs, it's nice to know the risk factors underwriters look at and how they'll impact how much you pay for term life insurance.
We have a blog post about how lupus may affect buying life insurance that you may be interested in: Ask an Underwriter: Lupus.
Any agent worth their weight will know how to field underwrite (technically, a life insurance agent is called a field underwriter, because it's our true job) with the best of them.
This is a byproduct of the way insurance companies have to make decisions — underwriters, the people who calculate just how risky you are for the life insurance company to take on as a customer, have to use established data from years of research in order to change policies.
Be sure to read our previous post where we ask an underwriter how to find the best rate when shopping for life insurance.
To get an idea, we talked to underwriters and life insurance agents to find out how life insurance companies see marijuana users.
A life insurance underwriter will ask what types of nicotine product (s) you use, and how long you have used them.
The cost of other types of life insurance varies greatly, depending on how much you buy, the type of policy you choose, the underwriter's practices, and how much commission the company pays your agent.
Quotacy's team has years of experience getting clients life insurance coverage, including individuals with MS.. Our in - house underwriter has worked in many carrier home offices, knows how to navigate each individual's health history, and knows which life insurance company would be the best option for your individual case.
With each of these assets, you receive a specific payment that is based on a calculation from insurance underwriters that takes into account how long you and other individuals in their pools are expected to live.
Life insurance underwriters use algorithms to determine how much your premium will cost, and these are based on a wide range of factors, including:
Along with the information from your application and questionnaire forms, the medical exam results and possible medical records help the life insurance underwriters determine how much life insurance coverage they can offer you and at what price.
During this time period, the life insurance underwriter will look at your application to assess how much risk your scleroderma (as well as other lifestyle / health factors) poses them.
Buying term life insurance when you reveal a history of smoking tobacco, using smoking cessation products or smoking marijuana, is possible but you will need to know what life insurance underwriters are looking at and just how to take advantage of your application timing to lock in the best rates possible.
One of the most important factors an underwriter looks at when approving a client for life insurance with acid reflux is how severe the condition is.
As a life insurance agent, there are a few «basic» facts that we'll need to understand in order to fully appreciate how a life underwriter will «view» your life insurance application and how these «facts» will factor into the outcome of your life insurance application.
A life insurance underwriter's job is to guess how long you're likely to live based on your physical characteristics (such as age, sex, height, weight, medical history, blood pressure and cholesterol level), behavior (such as alcohol, drug and / or tobacco use, extreme sports), family history, financial standing, driving record and geographic location.
The underwriter at the carrier depends on this to figure out how much risk an insurance company is taking in giving you a life insurance coverage.
I just wrote yesterday about the difference between life insurance underwriters and doctors when it comes to how they view information and another on popped on the scene today that could be an interesting bit of sparring.
With both type 1 diabetes and type 2 diabetes life insurance underwriting the A1c is a key factor that the life insurance underwriter uses to determine how well controlled the diabetes is.
If 60 Minutes was doing a segment on life insurance applications and how underwriters interpret your medical records they would have to focus on one of the biggest stumbling blocks, doctor's recommendations for testing.
As treatment for all types of cancer have improved, life insurance underwriters have been forced to re-evaluate their guidelines for different types of treatment and how the mortality experience has actually changed.
This way, the life insurance underwriters will be able to get a much clearer picture of your overall health, as well as how you are controlling or managing your condition.