Sentences with phrase «lower health rate class»

The younger you are, the lower the odds of you dying are and the less like you are to have a medical condition that would put you in a lower health rating class which can negatively impact your overall premiums.

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Health — Health is a factor because good health will help you get the best rate class, which equals lower preHealth — Health is a factor because good health will help you get the best rate class, which equals lower preHealth is a factor because good health will help you get the best rate class, which equals lower prehealth will help you get the best rate class, which equals lower premiums.

Preferred — To receive a preferred health class rating you will need to be a low risk, with good to great health, abstain from dangerous hobbies or jobs and have a good driving record, with only some minor traffic violations.

Simply put, the better your health, the better your rate class, and the lower your premiums.

On the quote form, you provide details about your personal insurability (health class, height, weight, age, sex), and also the insurance provider will respond by suggesting how high or low your life insurance rates are going to be.

People who are in the dark concerning health classes are going to miss the boat getting the lowest rates.

If you are approved, you most likely will be rated in a lower health class («substandard») which may only mean your premiums will be higher or have a limit to how much life insurance coverage you are eligible for.

A client that would typically qualify for a lower rate due to an existing condition due to health or lifestyle may receive an improved health rate class (and lower premium).

So if you get a quote for a 44 year old healthy male, for 10 year term life insurance, and find that Ohio National shows up as having the lowest quote, assuming you can qualify for their best health class, just be careful to check with an agent to make sure you can actually qualify for that rate.

Most people aren't in as good as health as they were the first time that they applied for life insurance, which means that they will get a much lower rating class.

Your agents job is to place you with the best company that will be able to offer you the lowest rates and best health class you can qualify for.

The better your health rate class, the longer your life expectancy, the lower your life insurance premium.

You health class is extremely important when trying to secure the lowest life insurance rates.

If you know you have a cholesterol issue and your agent tells you that it does not matter you may expect the exact same results: Lower Health Class Rating / Higher Rates and a Possible Declination.

For those individuals who are lower than average in their health class, Banner's premiums go off of a Standard Plus ratings table, meaning most if not all of their premiums are actually discounted premiums when compared to the competition of equal health ratings.

The agents job is to place you with the most applicable company that will offer you the lowest rates and best health class that you can qualify for.

Going from one website to another getting life insurance quotes all over the internet is very time consuming, frustrating and can be a waste of time in many cases due to the fact that you do not know what rate class you should be quoting and what carriers is going to be your best bet for the lowest rates which is dependent on your health history and lifestyle.

In the previous example, we may be able to get you a «Preferred Plus» health class and thus much lower term life insurance rates.

These companies allow a cholesterol reading up to 300 and also allow you to be on a cholesterol lowering medication such as a statin and still remain eligible their best health rate class.

This will enable you to receive the lowest rates and best health class you can qualify for.

The difference between the best life insurance rates and a lower health class can be just a few points of systolic blood pressure.

If you've gotten healthier since your policy was issued or stopped smoking, you should first apply for a reconsideration of health classification, which will potentially lower your premiums if approved at a better rate class.

These companies view the risk of insuring a diabetic more favorably than the other life insurance companies in way of offering a better health class and in turn a lower rate.

Elective surgeries, like the one on former president George W. Bush, will have a better health class and lower life insurance rates.

On the other hand, if your health improves, you lose weight, your cancer goes into remission or you get a less risky job, you can reapply and potentially qualify for a lower rate class that will save you money on your insurance, Udell says.

In the past, a well - controlled diabetic was given at best a sub-standard rate but today diabetics can receive a better than average health class which means a much lower premium.

Also, the best health class will help you receive the lowest rates.

If there are other health considerations, like diabetes, valve disorders, coronary artery disease or atrial fibrillation, their combination will result in a lower health class and higher life insurance rates.

They offer among the lowest rates, and this is fairly consistent across men and women and people of different ages and health classes.

Preferred — To receive a preferred health class rating you will need to be a low risk, with good to great health, abstain from dangerous hobbies or jobs and have a good driving record, with only some minor traffic violations.

On the quote form, you provide details about your personal insurability (health class, height, weight, age, sex), and also the insurance provider will respond by suggesting how high or low your life insurance rates are going to be.

The table below compares rates for a 49 - year - old and a 50 - year - old male in the «Preferred Best» rate class, the lowest level of risk for the insurance company (and thus the class with the lowest rates), reserved for those in excellent health across the board.

To try to get approved for the best possible «rated» health class possible, and seek out those insurance companies that are going to have the lowest premium prices at the rate.

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