Sentences with phrase «insurance applicants»

I personally find about 95 % of life insurance applicants apply for affordable Term life insurance.

Interestingly, the average life insurance applicant in our data set had lower percentages of ailments across the board.

The insurance firm has the cheapest insurance quotes for all kinds of auto insurance applicants.

This report is used to verify information provided by insurance applicants and policyholders.

Some life insurance applicants expect even more from their death benefit.

About 20 % of life insurance applicants get a modified offer during the process — something that's different than they were expecting — so it's not an uncommon occurrence.

A score based on credit reports that insurers use to help them determine the risk for selling a policy to an individual home insurance applicant.

The one with health questions will not accept many of the most common health ailments present among the average burial insurance applicant.

At the end of the day, most life insurance applicants do not have to worry about the life insurance drug test or blood test.

During the underwriting process, car insurance applicants are placed in a group based on how much money and how many claims the insurance company believes it may have to pay.

Younger life insurance applicants also receive lower premiums and often get better deals on coverage.

A physical may be necessary for cause and for term life insurance applicants age 51 and older who apply for more than $ 100,000 of coverage.

For first time auto insurance applicants, they might have the impression that car accident insurance come in one form and one goal, to cover the cost whenever a car accident occurs.

The cold hard truth is that the overwhelming majority of burial insurance applicants can easily qualify for a plan that does have health questions.

With those goals in mind, guaranteed universal life insurance has become a much more popular option for life insurance applicants.

We looked at two years worth of anonymized data (11/2015 to 11/2017) from life insurance applicants with various providers.

Medical Information Bureau (MIB) All responses on a policy application are subject to submission to the MIB, an independent entity that collects and stores medical data on life and health insurance applicants.

If you still complain that you could never find the time, an instant car insurance quote is ready and available online for insurance applicants like you who can not go to companies personally or who can not deal with an agent directly.

Examiner: A health care professional designated to provide paramed or medical exams on insurance applicants.

This spells stability and trust for their policy holders and perspective life insurance applicants as well.

Basically the term «Health class» refers to how an insurance company will determine if they wish to offer a life insurance applicant coverage and at what price.

Underwriters decide whether insurance applicants meet the insurer's underwriting guidelines.

Insurance applicants applying for life insurance with Stage 0 bladder cancer will have the best chance at qualify for coverage and may even be able to qualify for a Standard or non-rated life insurance rate provided that they apply for coverage 12 - 24 months after being declared «cancer free».

So, in cases like these, a life insurance applicant thought they would save some money on their insurance by going with a fully underwritten life insurance policy, only to find out that getting life insurance is much more expensive than if they had gone with the simplified issue life insurance.

Since short - term health plans can use medical underwriting to eliminate less healthy people from enrollment, their cost structure can be significantly lower than an Affordable Care Act plan that is guaranteed issue (i.e. no medical underwriting) and can not reject insurance applicants based on health status or pre-existing medical conditions.

As a result of his intense involvement with the insurance business, he developed a theory that, by screening auto insurance applicants much more thoroughly than was the prevailing industry standard, he could offer insurance policies at a reduced premium cost to drivers who had previously been classified as «bad drivers,» one of the two broad classifications used at the time.

«Impaired Risk» simply refers to the elevated risk a life insurance applicant demonstrates due to medical issues, or occasionally other risk factors.

Conditional receipt: A receipt given to a life insurance applicant if all or part of the premium is paid at the time of application.

Though life insurance applicants seem to be healthier than the average American, those who do have health ailments and / or certain habits end up paying significantly more money for their policies.

Life insurance applicant information is submitted to the Medical Information Bureau (MIB), and all insurance companies research a new customer's files prior to issuing a new policy for life insurance.

Life insurance applicants sometimes entertain the idea of not disclosing certain negative health information to the company.

The program also provides job preparation and placement assistance (including workshops on job - seeking skills, resume writing, interviewing, and Internet job - search) to job seekers at WorkForce Centers throughout Minnesota, with special efforts made to serve unemployment insurance applicants, veterans, migrant and seasonal farm workers, and new entrants in the labor market.

Life insurance applicants in North Dakota (17.4 %), Iowa (12.7 %) and Delaware (10.3 %) have much higher rates of depression than the national average (6.3 %), while applicants in Louisiana (2 %), South Dakota (2.4 %) and Alaska (3.1 %) have much lower rates.

Just some of the health conditions that may be considered in a life insurance applicant with Banner Life include diabetes, as well as sleep apnea.

Fast Company highlights one life insurance applicant who was declined after BRCA testing, because it resulted in a positive result for the BRCA1 gene.

TORONTO — Manulife is removing the need for nicotine testing for some of its life insurance applicants as part of its efforts to streamline the process.

In recent years, many Canadian home insurers have begun asking questions about dog ownership and, depending on the breed, impose policy exclusions, charge extra premiums, or decline home insurance applicants.

However, the main reason why drivers and auto insurance applicants are not aware of basic facts is because of laziness and lack of willingness to read.

The Comprehensive Loss Underwriting Exchange is a claims history database insurers use to help qualify and set premiums for insurance applicants.

Examiner: A health care professional designated to provide paramed or medical exams on insurance applicants.

If you've just arrived here, you are Schroedinger's Insurance Applicant.

The Standard has contracted with the following paramedical services vendors to provide exams for your insurance applicants.

This requirement is typical for all insurance applicants, as companies look to reduce risk.

There are a lot of life insurance applicants that prefer the idea of being able to keep one policy for the rest of their lives, instead of having to reapply in the future.

However, there are times when an insurance applicant represents a financial risk that exceeds the insurer's assumptions due to a... [more]