Sentences with phrase «life insurance companies use»

As we mentioned earlier, not all life insurance companies use the same height to weight ratios to determine premiums, therefore, if one life insurance company considers you as a risky client and offers you high rates, it does not necessarily mean that the other company will also see you the same way.

Life insurance companies use this bureau to obtain medical information when someone applies for a policy, and may have records that can help with your search.

Life insurance companies use a multiple of your annual income as a basis for the amount of coverage you may qualify to purchase.

Yes, life insurance companies use a secured site link that helps keep your personal information safe and secure.

Ultimately, life insurance companies use health questions to gather as much information about you as possible without the need for a medical exam.

Height and weight underwriting guidelines are important factors that life insurance companies use to help determine your rate class.

The individual policies life insurance companies use to determine when to reinstate a lapsed policy and when to deny such reinstatement will vary, but it never hurts to ask.

Life insurance companies use their own underwriting guides.

Your age is just one factors that life insurance companies use to calculate your health class and rates.

Life insurance companies use your medical exam, can order current and past medical records, check the MIB, and a variety other measures to make sure they understand who they are potentially insuring.

Many life insurance companies use e-signatures that allow you to sign and finalize your policy online.

By having access to the underwriting guidelines that the life insurance companies use to determine your final rates, we were able to save George and his family $ 6,986.40 over the course of his 20 year policy.

Most life insurance companies use 12 to 16 rates classes to determine your risk and cost of coverage.

Some life insurance companies use an equivalent letter system as in Table B (equivalent to Table 2) or Table F (Table 6).

Keep in mind — Most life insurance companies use two health classes for no exam policies of $ 500,000 or less: Standard and Standard Tobacco.

For the most part, life insurance companies use typical insurance rate guidelines when determining health classes.

At your fathers age, it may be difficult for him to be able to «financially» qualify for this amount of coverage based on the «multiples of income» rule that many life insurance companies use to determine how much insurance life insurance coverage they will provide.

Medical underwriting is a process life insurance companies use to determine the risk they will take on by offering you life insurance coverage.

When your term policy expires you can choose to cancel the policy if you no longer need life insurance but keep in mind that if you choose to do this you will have to reapply whenever you do need life insurance again and you will not be given the same rate and quote as you receive this time because life insurance companies use your health, AGE, and lifestyle into consideration and those can change in a couple of years.

Life insurance companies use medical underwriting to determine the risk they take on by offering a person coverage.

Height / Weight - Life insurance companies use your build (height and weight) when determining your rating class, and ultimately how much you'll pay for your policy.

Your individual health history and family health history are also factors that life insurance companies use to evaluate risk.

This is because many life insurance companies use an age nearest birthday method of calculating your age.

The data you have on our online life insurance quotes comes from the same database of life insurance companies we use internally.

Life insurance companies use your medical information and driving record information to help determine if you can be approved for life insurance, and what «risk class» you are in.

The life insurance companies use the actuarial findings to create underwriting guidelines.

Our Top 10 11 List of things life insurance companies use to evaluate your term life insurance application.

With some of the life insurance companies we use.

Feel free to activate our quote engine to review the vast list of life insurance companies we use along with their financial status with the A.M. Best reporting agency.

There are approximately a total of 12 health class ratings that life insurance companies use.

The final scoop is that life insurance companies use the extra premiums they charge to invest which leads to great returns for them, so they can in exchange give you back your premiums and not go bankrupt with higher risk.

Life insurance companies use factor and rate tables.

How life insurance companies use Actuarial Science to categorize risk.

Life insurance companies use life expectancy as the basis for determining rates.

Life insurance companies use banding and price breaks to implement the same pricing scheme.

Life insurance companies use the underwriting process to determine your risk after you apply for a policy.

Life insurance companies use your premiums to invest in stocks and other investments vehicles.

Life insurance companies use something called «banding» to price out your monthly premiums.

Life insurance companies use classifications to determine how risky you are for them to insure — what are the chances that you'll die over the course of your policy?

This article will help you better understand the basic risk ratings that life insurance companies use.

Life insurance companies use «mortality tables» to help predict the benefits they are likely to pay in a given year.

Life insurance companies use a variety of factors to calculate your term life insurance costs, including:

The answers lie in the often proprietary methods that life insurance companies use to crunch your personal data and identify the financial sweet spot between their risk exposure and your posthumous payout.

Life insurance companies use a rating system based on a number of risk factors such as a person's age, use of tobacco, overall health status, occupation and a variety of other considerations.

First off, you should know that life insurance companies use dozens of variables in how they rate people when determining how much they will charge for a premium.

This is the main concept that life insurance companies use with many serious conditions.

While life insurance companies use the same criteria to determine life insurance rates, they may also specialize in some areas to give them a competitive edge over other companies.

Life insurance companies use underwriters to determine how risky it is to issue a life insurance policy to you.

Most life insurance companies use the mortality table used by the country's largest insurer, state - owned Life Insurance Corporation of India.

Many of the trusted life insurance companies we use, place a lot of weight on what you actually smoke and how much you smoke.