Sentences with phrase «most life insurance companies either»
Most life insurance companies will require you to be nicotine free for anywhere from 6 months to 5 years before your insurance rates change, and some companies will only consider you a nonsmoker if you have never smoked at all.
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The good news is that even if you are a smoker in the status quo, and are eventually able to break your habit, most life insurance companies will reward you for your efforts.
Now, believe it or not that guy with all of the experience sitting next to you isn't liked by most life insurance companies either.
Because regularly smoking cigarettes is something that is proven to shorten your expected lifespan, most life insurance companies will want to know whether or not you are a smoker.
Most life insurance companies want to accept you as a client.
The majority of term policies end by the age of 80, and most life insurance companies stop offering a 20 - year term after the age of 60.
Most life insurance companies are charging an interest rate in the 5 - 7 percent range on loans to the cash values.
Most life insurance companies shy away from term policies that offer coverage amounts of less than $ 100,000.
For example, if you have a $ 500,000 term policy, most life insurance companies will allow you to convert $ 100,000 to $ 500,000 of your policy into permanent coverage.
Most life insurance companies, recognize you as one year older when you get within six months of your birthday.
Most life insurance companies will offer their applicants anywhere from $ 100,000 to $ 5,000,000 of coverage.
In addition, Farmers has a lower maximum age for their term policies than most life insurance companies do.
Fixed wing VFR will generally qualify for preferred, not preferred plus rates, still a great deal when you compare it to most life insurance companies adding a $ 2.50 per thousand flat extra for VFR aviation.
Assuming that your medical records show that you smoked, will most life insurance companies check your records, see that you smoked, and then cancel your benefit?
While the story above is a very poignant one, it is also going to be a rare case since most life insurance companies have policies that have the accelerated benefit riders.
If most life insurance companies ask a litany of health and background questions and require an exam with a full blood and urine workup, how can another ask just a few questions and issue policies with -LSB-...]
Be aware, however, that most life insurance companies won't offer a life insurance policy that goes beyond 80 years of age.
Most life insurance companies will also review your driving records, so it helps to have your driver's license available as well.
Insurance companies and doctors share information through the MIB (Medical Information Bureau), and most life insurance companies will review these records before approving an application for more than $ 25,000 of coverage.
This benefit is typically free, and most life insurance companies include it as an added layer of protection with every policy they sell.
Most life insurance companies will allow you to continue your coverage after your term has ended.
Most life insurance companies are rated by third party rating agencies such as A.M. Best.
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.
So most life insurance companies that have fixed premium have raised the service tax component by 2 %.
We had seen most companies increasing the minimum annual premiums being increased in the new products launches and most life insurance companies increased it to offset the low charges which would be applicable.
Most life insurance companies stop offering a 20 - year term after the age of 65 and 10 - year term after the age of 75.
Most life insurance companies will allow you to convert your entire term policy, for as little as $ 50,000 to $ 100,000 of coverage.
With regards to documents, most life insurance companies ask for the following KYC Documents for online term plans: 1) Photograph 2) Photo ID Proof 3) Address Proof 4) Income Proof
Most life insurance companies require their applicants to complete a free in - home medical exam before approving their life insurance application.
Most life insurance companies require you to use a broker or an agent.
As can be seen from the above table the claim settlement ratio of most life insurance companies has improved in 2010 - 11 as compared to 2009 - 10.
The 30 - year term is the longest term offered by most life insurance companies and providers.
Most life insurance companies will approve a policy of up to $ 1,000,000 of coverage for a work - at - home spouse, or equivalent coverage to the income earning spouse's policy.
Most life insurance companies offer face amounts of $ 50,000 - $ 5,000,000, depending on your current income.
Most life insurance companies will overlook minor health issues and medications for well - controlled blood pressure, cholesterol, or mild anxiety the quote may be more expensive.
Most life insurance companies include a rider on their term life policies that allows the payment of a portion of the policy death benefit to be paid to the policy beneficiary (s) in the event the primary insured is diagnosed as terminally ill by a practicing, licensed physician.
Over the counter and prescription drug medications used to treat allergies should be disclosed on your application, but most life insurance companies will not penalize you for allergies.
It's also important to note that after the age of 62, most life insurance companies stop offering terms that are longer than 25 years.
Most life insurance companies will completely overlook preventative medications for issues like high blood pressure or cholesterol.
Most life insurance companies will not allow you to convert your policy after the age of 65 or 70.
This type of coverage is not available by most life insurance companies.
With most life insurance companies the idea of being approved for life insurance post CAD event is laughable at best.
This is why you're going to find that most life insurance companies (if not all) are simply going to deny coverage to anyone who has been diagnosed with lupus nephritis.
Most life insurance companies have their own policies regarding limits on death benefits for life insurance.
When you're applying for life insurance and have a high risk issue, most life insurance companies are hesitant to offer certain types of coverage.
Again, most Life Insurance Companies will have a product name describing the death benefit and term you have selected.
Like most life insurance companies, The Western & Southern Life Insurance Company offers a variety of term and permanent life insurance polices, such as whole life and universal life.
Most life insurance companies require that you have a simple medical exam.
Most life insurance companies will typically prefer that individuals wait at least six months to a year after they've recovered from their meningitis before they'll consider your life insurance application.
Most life insurance companies will not really care about fibrocystic disease — that's because it is in no way life threatening.