Sentences with phrase «life insurance classifications»

Medical conditions, dangerous jobs and hobbies can place you in a high risk life insurance classification.

In many cases, the best life insurance classification you can receive is Standard.

Guidelines used to determine your term life insurance classification include age, tobacco use, height, weight, family history, and cholesterol and blood pressure levels.

In many cases we can help keep you out of a high risk life insurance classification.

The specifics vary by company, but broadly speaking, there are six major life insurance classifications, listed here from best to worst: Preferred Plus, Preferred, Standard Plus, Standard, Substandard and — you guessed it — Smoker.

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

We find our clients the lowest rates because we use the most competitive companies and negotiate the best life insurance classifications for our applicants.

In this particular article we ignored the general life insurance classification rates such as Super Preferred, Preferred, Standard Plus, and Standard to keep the article simpler.

You can read more details about life insurance classifications here, but the basic gist of it is this: the riskier you are, the worse your classification will be, and the higher your premiums will be.

That number alone will automatically place you into a health classification (learn more about life insurance classifications here).

Smoking puts you in a high risk life insurance classification which is worse than most health conditions.

The hows and whys behind life insurance classifications are helpful, but the real question is: How does this actually affect your life insurance rates?

Preferred plus is the highest and best life insurance classification available.

Not including table ratings there are generally four typical life insurance classifications for each smokers and non smokers.

The reason life insurance classifications are important is because your health classification affects your premium.

Serious health conditions and occupations can place an individual in a high risk life insurance classification.

The specifics vary by company, but broadly speaking, there are six major life insurance classifications, listed here from best to worst: Preferred Plus, Preferred, Standard Plus, Standard, Substandard and — you guessed it — Smoker.

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

Up next we will review the four general life insurance classifications, which are Preferred Plus, Preferred, Standard Plus, and Standard.

Standard and preferred had been the only term life insurance classifications and now are largely universal, although different insurance companies have their own vernacular.

If you have some health conditions that are placing you in a high risk life insurance classification.

If you are in a high risk life insurance classification these policies can work out well for you.

Being overweight or obese can easily place you in a high risk life insurance classification.

From best (lowest premiums, lowest risk) to worst (highest premiums, highest risk), the life insurance classifications are Preferred Plus, Preferred, Standard Plus, Standard and Substandard.

In addition to other factors like your age, family medical history and lifestyle, the results from the medical exam help determine your life insurance classification.

Smoking, and all of the negative health effects that come with it, will put you into a life insurance classification that raises your premium rates significantly compared to a similar - but - non-smoking candidate.

Let's be clear right now: you can't identify your own underwriting rate class (also called a life insurance classification) unless you happen to be an underwriter, and if you're underwriter you're probably not reading this article.

There are some dangerous occupations and sports that could place you in high risk life insurance classifications.

When people are in poor health, they will be placed in a high risk life insurance classification.

If you have medical conditions that have placed you in a high risk life insurance classification.