Sentences with phrase «most applicants for life insurance»

The medical examination is required of most applicants for life insurance to determine if they meet the underwriting standards, or should be classified as sub-standard, or un-insurable.

Not exact matches

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

In addition, people up to age 95 can apply for a Banner Life term policy, which is nearly unheard of in the insurance industry (most other insurers cap applicants at age 65 or 75).

Most consumers are looking for cheap life insurance which sometime be difficult when the applicant is a senior citizen in poor health.

In most cases, qualifying for final expense life insurance will not require an applicant to undergo a medical exam.

For example, final expense life insurance is most often purchased by those who are between the age of 50 and 80 years old — and there are some insurance carriers that may offer final expense insurance to applicants who are older.

Whole life insurance premiums for older applicants will typically be high, so they may not always be the most fitting option for a senior looking to acquire a new life insurance policy.

If you're an applicant that is looking to get the most affordable life insurance available, then applying for a term plan is going to be the best route.

Also, most life insurance carriers require applicants to apply for life insurance through either an agent or broker of the company.

It is the most affordable way to buy life insurance especially for those applicants who are younger and in good health when they apply for coverage.

Choosing the most applicable life insurance company for the applicants occupation is extremely important.

When our applicants contact us about large life insurance plans for $ 1 million, $ 2 million dollars, or at times even $ 5 million life insurance policy of coverage, they assume that their premiums are going to be through the roof, but in most cases, that couldn't be further from the truth.

Most applicants assume that they are going to pay expensive premiums for their life insurance policy, but in most cases, that couldn't be further from the trMost applicants assume that they are going to pay expensive premiums for their life insurance policy, but in most cases, that couldn't be further from the trmost cases, that couldn't be further from the truth.

Given these risks, most life insurance companies deny coverage to an applicant who tests positive for addictive drugs, including cocaine, meth, heroin, non-prescription painkillers or opioids.

For most applicants, this isn't going to be enough life insurance.

For most people, that won't be nearly enough life insurance coverage for your family, which means that you'll have to either buy another plan or go with a medically underwritten plan for high - risk applicanFor most people, that won't be nearly enough life insurance coverage for your family, which means that you'll have to either buy another plan or go with a medically underwritten plan for high - risk applicanfor your family, which means that you'll have to either buy another plan or go with a medically underwritten plan for high - risk applicanfor high - risk applicants.

By understanding how life insurance companies arrive at their premiums, applicants can get the most coverage for their money and still provide their loved ones with the protection they need and deserve.

Luckily, most life insurance companies will approve applicants who suffer from sleep apnea, and some of these applicants may even qualify for preferred or preferred plus health classification ratings.

In order to qualify for most term life insurance policies, applicants will need to take a physical examination (or look into a no medical exam life insurance policy) and answer several questions about their health and the health of their families.

We work hard to choose the correct company for our clients to make sure we are using a company with the lowest life insurance rates and have the most favorable view of our applicant's specific information on the application.

Because most applicants who are 37 - years - of - age are healthy, their health status typically allows them to easily opt for an affordable 20 to 30 - year term life policy that is seen as a low - risk by the insurance companies.

Whole life insurance premiums can be too costly for most applicants.

Most applicants at the age of 62 assume that they no longer need life insurance protection, but that could be one of the worst things that you ever do for your loved ones.

All life insurance companies underwrite their applicants differently and an experienced agent will know what would be the best and the most appropriate company to apply with for their client's specific details.

Because term life insurance is known as to be plain vanilla coverage, it is oftentimes probably the most affordable sort of coverage particularly for those applicants that are young as well as in relatively a healthy body.

Unlike a traditional life insurance plan, they are going to put a strict limit on how much coverage you can buy, most insurance companies only allow around $ 250,000, which isn't enough life insurance for most applicants.

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

For most applicants, they will only need life insurance until they reach retirement age (or around there).

Buying life insurance at age 30 is usually easy to qualify for because most applicants are pretty healthy at age 30.

Knowledge and experience are the most important tools when shopping for the best life insurance quotes for a specific age group, health history and lifestyle which basically refers to any sports a perspective applicant is involved with or their chosen occupation.

A no medical exam life insurance policy, as the name suggests, differs from most traditional life insurance in that there is no requirement for the applicant to meet with a paramedical professional and provide a blood and a urine sample.

Macular degeneration is most common in folks over the age of 65 which may make qualifying for life insurance more difficult then it would be for a younger applicant.

- Inexpensive (see life insurance rates by age)- Easy to qualify for, and - Will provide applicants with the most options to choose from.

Typically, when applying for most types of life insurance, an applicant will be required to meet with a paramedical professional (or «paramed»).

One thing that many people may not realize is that, even though most life insurance companies have some manner of evaluating an applicant before approving them for coverage, all insurers» guidelines are not identical.

An applicant who has not used nicotine in the past one year may qualify for a standard life insurance rate with most of our companies, but he or she must test negative for any nicotine byproducts or cotinine.

For most applicants that are looking for life insurance protection, this isn't nearly enough life insuranFor most applicants that are looking for life insurance protection, this isn't nearly enough life insuranfor life insurance protection, this isn't nearly enough life insurance.

Nevertheless, for most people it is recommended that qualified applicants procure a standard term or perm life insurance policy rather than an accidental death policy.

In most cases like these (excluding some less aggressive myelodysplastic syndromes), clients may find it necessary to pursue a guaranteed issue life insurance policy that won't require the applicant to take a medical exam or answer any health related questions in order to qualify, simply because they will not be eligible for any type of life insurance policy which would require them to «medically» qualify.

And while we never like to say never or impossible, in our experiences here at TermLife2Go, what we've found is that most (if not all) life insurance companies are simply going to deny any application for a traditional term life insurance or whole life insurance policy immediately upon learning that the applicant has been previously diagnosed with pancreatic cancer.

Marfan syndrome can be particularly harmful to one's aorta, which is simply another reason why you're generally going to find that most life insurance companies (if not all) will automatically decline any applicant applying for a traditional term or whole life insurance policy.

Most if not all of the causes leading one to develop pulmonary hypertension are conditions in which most (if not all) life insurance companies are going to automatically decline an applicant for a traditional term or whole life insurance polMost if not all of the causes leading one to develop pulmonary hypertension are conditions in which most (if not all) life insurance companies are going to automatically decline an applicant for a traditional term or whole life insurance polmost (if not all) life insurance companies are going to automatically decline an applicant for a traditional term or whole life insurance policy.

Using your life insurance to make charitable donations is a win - win for most applicants.

In most cases, guaranteed universal life insurance is roughly half of the cost of a comparable whole life insurance policy for an applicant in average health.

Whole life insurance policies usually offer $ 5,000 to $ 50,000 in coverage and most companies will approve applicants who are in average or better health for their age.

This is why most life insurance companies will only consider 50 % of ones» total weight loss over 10 lbs as a way to account for any future weight gains (50 % added back rule) by the applicant.