Sentences with phrase «medical exam results»

Your health and medical exam results determine your risk class and how much you will pay for life insurance.

It's simple, get better medical exam results and you get better premiums.

Your health and medical exam results determine your risk class and how much you will pay for life insurance.

Improving your health is going to get your better medical exam results, which is going to translate into lower insurance premiums.

While it is true that taking Valtrex shouldn't affect your life insurance application, nor should having a herpes «flare up», it should be noted that many of the «hypothesized» causes that can lead to a «flare up» are also triggers that could potentially lead to a less than ideal life insurance medical exam result.

Table Rating — Table rating is a price increase applied on top of a risk classification based on your health and medical exam results.

Step 5: An underwriter reviews your application At this point the insurer will review your application, phone interview, and medical exam results, as well as your credit history.

When insurers look over a simplified issue life insurance application, they can see your medical exam results from your term life insurance policy.

The insurance industry would rather you not know about MIB, but here's how it works: if an underwriter discovers something worrisome in your questionnaire or medical exam results, he or she adds an alphanumeric code to your MIB file.

You want to make sure you don't do anything that temporarily elevates your medical exam results.

The insurance company will review your application, your medical exam results, and your medical records.

This is because, due to the fact that there are no medical records to review and no medical exam results to wait for, a guaranteed acceptance life insurance policy can be approved and issued very fast — sometimes even on the same day that you apply for the policy.

After a life insurance company reviews your application, medical exam results and doctor's records, they will assign a health class.

Because there is no medical exam, you won't have to wait for the insurance company to review the medical exam results.

You see, underwriters are paid to look at a risk based on information from your application, doctor's records and medical exam results.

Table Rating — Table rating is a price increase applied on top of a risk classification based on your health and medical exam results.

At this point the insurer will review your application, phone interview, and medical exam results, as well as your credit history.

During this time, they review the the medical, non-medical and financial risk factors from your life insurance application and medical exam results.

Step 5: An underwriter reviews your application At this point the insurer will review your application, phone interview, and medical exam results, as well as your credit history.

When insurers look over a simplified issue life insurance application, they can see your medical exam results from your term life insurance policy.

Table rating is a price increase applied on top of a risk classification based on your health and medical exam results (example: Standard + Table 2).

The life insurance company analyzes the medical exam results and also your past medical history (Physician notes, medication history, MVR reports, etc.).

A final term life price is set after the application and medical exam results are reviewed.

Now let's fast forward to the medical exam results.

Underwriting — At this point the life insurance company have your application, your medical exam results and now will dig through your medical history and motor vehicle report.

Because there are not any medical exam results to review by the insurance company's underwriters with a no medical exam or a guarantee issue policy, this type of coverage can often be approved and issued much more quickly than a medically underwritten plan — in fact, in some instances, these policies can be issued within just a few days, or even on the same day of application.

Along with the information from your application and questionnaire forms, the medical exam results and possible medical records help the life insurance underwriters determine how much life insurance coverage they can offer you and at what price.

Life insurance companies may make exceptions for such individuals provided the rest of their medical exam results and medical records are in line with preferred rate requirements.

While some will issue non-smoker rates for chew use as long as no cotinine shows up in the medical exam results, others will issue even if it does test positive.

Insurers will likely report your medical exam results (reported as numbered codes) to MIB (formerly called the Medical Information Bureau), which maintains a database of those who have applied for life, health, disability and other insurance in the last seven years.

Depending on your weight and your medical exam results, you'd likely qualify for Standard rates.

Your medical exam results should show little to no trace of nicotine, if you enjoy a cigar occasionally.

Life insurance companies will analyze your medical exam results.

They will look into your medial history, run a background check, review your application and your medical exam results.

That until an insurance underwriter has had an opportunity to review your life insurance application, review your medical exam results and look at your medical records, we won't know for sure whether or not you'll be eligible for a traditional term or whole life insurance policy, or which of the 12 possible rate classes you may or may not qualify for.

And even if you're quoted an affordable monthly rate, the true monthly premium of your policy could change once your medical exam results are read.

Now let's fast forward a bit to your medical exam results.

And, because there is no blood work or medical exam results to wait for, this coverage can usually be approved and issued within just days (or possibly even sooner).

Unless you're buying a no exam plan, you need to focus on your medical exam results.

You can request a copy of your medical exam results from the MIB in order to get an idea what insurance companies will see and have access to.

Although the future policyholder can not mask most major medical conditions, there are several things you can do in order to improve the medical exam results.

An underwriter will review your application, medical exam results and additional information as needed and will assign you a health class, which your rates will be based on.

Thanks to accelerated underwriting, insurers can use data (including prescription history, driving history and a personal history interview), rather than medical exam results, to evaluate you.

The life insurance carrier goes over the medical exam results and also your past medical history (Physician notes, medication history, MVR reports, etc.).

Let's fast forward and discuss the medical exam results.

Which is the reason Non Medical Exam policies are attractive and a great opportunity in case you're not certain what a medical exam results will bring.

If you failed the term life insurance drug tests and are declined coverage, or you think an error was made you can and should ask the insurance company to send you a copy of the medical exam results to you and / or your doctor.