Sentences with phrase «life insurance applicants with»

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

Let's look at some of the factors taken into consideration while assessing a life insurance applicant with marijuana usage:

Not exact matches

WriteAwaySM, an accelerated underwriting process that allows applicants to skip the lab tests and paramedical exams commonly associated with life insurance, will be available to qualified applicants for Builder Plus IUL.

Term life insurance quotes online for policies requiring no medical examination can help applicants with temporary needs.

Most life insurance companies will charge a flat extra for applicants with high - risk jobs.

Those applicants that are turned down for traditional term life insurance can still get coverage in a majority of cases with a guaranteed death benefit policy.

Many companies offer term life insurance, and with so much competition in the marketplace, there is a fierce battle for applicants.

For example, suppose a Medicaid applicant has a whole life insurance policy with a $ 1,500 death benefit and a $ 700 cash surrender value (the amount you would get if you cash in the policy before death).

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

Our agents have years of experience working through the life insurance process with thousands of applicants.

Just because a life insurance carrier covers a type of visa doesn't mean that they can cover every applicant with that visa.

In addition, policies that are «traditionally» underwritten, will typically require the applicant to take a medical exam, though if needed, we can find those carriers that will offer a policy for life insurance with no medical exam.

Most insurers can offer discounted life insurance rates to applicants with a combination of much better than average medical test results, no family history of serious diseases, and healthy lifestyle choices.

If you have any questions about getting life insurance as an applicant with an irregular heartbeat, please contact one of our agents today.

With some applicants for life insurance coverage, the insurance company's underwriters will also request your medical records for review.

With the best life insurance companies we work with, we have an advantage of choosing the most applicable carrier that will offer our applicant the lowest raWith the best life insurance companies we work with, we have an advantage of choosing the most applicable carrier that will offer our applicant the lowest rawith, we have an advantage of choosing the most applicable carrier that will offer our applicant the lowest rates.

For example, an applicant with health concerns might find they only qualify for a guaranteed issue life insurance policy.

With guaranteed issue life insurance policies, because there is no medical exam or underwriting, insurance companies have no information other than the applicant's age and gender on which to base the premiums.

This is because the applicants for no exam life insurance are usually in poorer health — meaning that the life insurance company is taking on more of a risk with these particular insureds.

In order to proceed with the no medical exam life insurance application, an applicant must be between the age of 18 and 65, and they must be applying for a coverage amount of between $ 50,000 and $ 500,000 in benefit.

With most traditional life insurance policies, an applicant will need to qualify based on age and other health factors.

Royal Neighbors is the only final expense life insurance company that is accepts applicants who need assistance with bathing, dressing, eating, or toileting etc..

Thousands and thousands of applicants will be declined if they apply for a traditional life insurance plan that requires a medical exam, but with a burial insurance plan, you don't have to worry about that.

There are many A + rated life insurance companies that come through with some very affordable rates for Depression applicants.

While there are many applicants for life insurance who can easily qualify for coverage — even with a required medical exam — there are others who may not be so lucky.

We can not provide life insurance quotes or coverage for temporary residents, including anyone with a work permit or visa, permanent residents without their green card, or applicants who have not yet received their green card.

This means the applicants qualify for life insurance with no exam.

A graded death benefit is used to protect the carrier when insuring severely ill applicants since these policies are typically life insurance with no medical exam and no health questions.

A life insurance company is normally only concerned with applicants that drink larger amounts of alcohol on a regular basis.

Guaranteed issue life insurance enables applicants with health risks to obtain life insurance coverage.

This means that there is no blood and urine testing to worry about — and because of the no medical exam process, oftentimes, an applicant who has certain health issues will still be able to qualify for coverage, such as with a guaranteed issue life insurance policy.

If the applicant's health is not considered well, we have companies that specialize is life insurance for people with pre-existing medical conditions.

It is important to be aware, however, that oftentimes with a guaranteed life insurance policy, the insurance company knows that they are taking on more risky applicants with this coverage.

As with other types of life insurance coverage, the premium that is charged for burial insurance will be based in part upon the age and the gender of the applicant, as well as the amount of coverage that you are purchasing.

If the group of proposed insureds is acceptable, the insurance company dispenses with individual underwriting (for example, a whole life policy may offer a guaranteed amount of $ 10,000 for eligible applicants under age 35.)

Some companies specialize in working with high - risk applicants, which means that even if you've been declined in the past because of your health, there could be a company that will give you affordable life insurance coverage.

Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.

While the health of the applicant certainly does have a role to play in the world of life insurance, it is possible for those with serious health challenges, including HIV and AIDS, to get the coverage they need to protect themselves and their family members.

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.

It's totally unheard of for any final expense life insurance company to have a problem with applicants who take cholesterol medications.

The coverage found here is a lot like that found in term - life insurance, where the applicant is provided with coverage for a specific amount of time.

Few of these applicants will have been diagnosed with one of the common conditions that complicate getting life insurance or make life insurance more expensive to purchase.

If you're an applicant with type 1 diabetes, then you may assume that you can't get life insurance, you may have even been declined in the past.

These policies are similar to other life insurance policies, except that with a guaranteed acceptance policy, the insurance carrier will accept an applicant for coverage, regardless of his or her health condition.

As with all life insurance applicants, you will need to complete a basic life insurance application for coverage when applying for a policy.

When assessing an applicant with high blood pressure, life insurance underwriters will also take note of the following key factors:

As long as an applicant is within a certain age range, policies with «guaranteed approval» allow you to secure life insurance coverage.

As an applicant for life insurance with a DUI / DWI, you will have to prove the incident was due to a one - time mistake instead of a lifelong pattern.

When looking for a company that is more open to applicants with riskier occupations and less than ideal medical histories, AIG American General typically comes in the lead over some of the other fully underwritten life insurance companies.

If you have been diagnosed with alcoholism, received treatment for your alcohol abuse, or you have had a DUI or DWI, you will be a higher risk applicant for life insurance.