Sentences with phrase «standard life insurance risk»

Being «rated» means that the underwriters classify you below Standard life insurance risk classes.

Not exact matches

An Indexed Universal Life (IUL) insurance policy functions similarly to a standard universal life policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies use to gLife (IUL) insurance policy functions similarly to a standard universal life policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies use to glife policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies use to grow.

These restrictions are standard for variable universal life insurance and contribute to the policy's «higher risk, higher potential return» tradeoff.

An Indexed Universal Life (IUL) insurance policy functions similarly to a standard universal life policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies use to gLife (IUL) insurance policy functions similarly to a standard universal life policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies use to glife policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies use to grow.

An insurance company, like This is Your Life, uses standard statistics for its insurance risk underwriting.

The program provides potential life insurance approvals in as little as 24 hours with up to $ 2.5 million face amounts for standard or better risk classes.

If underwriters determine that you fall into a Standard risk class then your life insurance premium will be higher but still quite affordable.

Standard: In most cases, those with a critical illness will not be accepted for standard life insurance as the risks are simply too high for the insurance Standard: In most cases, those with a critical illness will not be accepted for standard life insurance as the risks are simply too high for the insurance standard life insurance as the risks are simply too high for the insurance company.

Standard Risk Standard risk is an underwriting classification that refers to the overall health of the individual applying for life insuraRisk Standard risk is an underwriting classification that refers to the overall health of the individual applying for life insurarisk is an underwriting classification that refers to the overall health of the individual applying for life insurance.

If you suffer from only minor health related problem these may not directly affect your life insurance coverage and you may just pay a normal standard rate, but obviously if you suffer from more high risk health issues, these will ultimately reflect in the amount of premiums you have to pay in the form of a life insurance table rating.

Life insurance risk classes range from Preferred Plus (the best possible offer) to Standard.

Once we move past a standard health class, there are 8 — 12 different substandard health classifications for high risk life insurance.

A standard life insurance term plan is one where the insured person gets a cover against various risks against payment of a certain premium amount.

High risk life insurance, also known as impaired risk, refers to cases where an individual would not qualify for regular life insurance, even for a standard health rating.

From best (lowest premiums, lowest risk) to worst (highest premiums, highest risk), the life insurance classifications are Preferred Plus, Preferred, Standard Plus, Standard and Substandard.

No - medical exam life insurance is generally more expensive than standard life insurance, given the risk the carrier is taking insuring you sight unseen.

No two life insurance companies have the same standards when it comes to assessing your cholesterol levels and the risk, but we can make some generalizations about how they look at your test results.

While all life insurance carriers will categorize a cigarette smoker with a tobacco risk class, their qualification criteria for Preferred Tobacco versus Standard Tobacco does vary.

Higher risk life insurance policies are finalized a little differently than those which are approved at Standard or better rates.

In some cases, an applicant who is able to lower his or her risk, for instance by ceasing the risky activity or lowering their blood pressure, may even be able to re-apply for standard life insurance coverage at a future time.

Premiums for graded benefit life insurance policies are generally higher than those for standard life insurance policies since the policyholder presents greater risk of a death claim to the insurance company.

The I.I.I. estimates that, for example, the annual premium for a 40 - year - old male nonsmoker buying a $ 500,000 20 - year level term life insurance policy in 2008 will be about $ 725 if he qualifies as a «standard» risk and $ 350 if he meets the more stringent requirements of a «preferred» risk.

Generally, sub-standard risks have a shorter than average life expectancy due to a health impairment and will therefore pay higher premiums for their insurance than preferred or standard risk individuals.

An Indexed Universal Life (IUL) insurance policy functions similarly to a standard universal life policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies use to gLife (IUL) insurance policy functions similarly to a standard universal life policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies use to glife policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies use to grow.

Standard life and disability insurance plans and travel medical insurance plans may not cover accidents that result from certain incidents; travel accident insurance plans are designed to fill those coverage gaps and provide high limit coverage or coverage for specific risks that many disability policies do not cover.

Although individuals who have been diagnosed with leukemia generally can not get preferred life insurance risk classes, that is Preferred Plus or Preferred, once treated with no recurrence, individuals can be considered for Standard life insurance rates.

Standard risk is an underwriting classification that refers to the overall health of the individual applying for life insurance.

These restrictions are standard for variable universal life insurance and contribute to the policy's «higher risk, higher potential return» tradeoff.

What this means to you is that some companies wish to only write standard (Healthy) insurance policies and there are a handful of other companies that want to write high risk life insurance policies.

The I.I.I. estimates that, for example, the annual premium for a 40 - year - old male nonsmoker buying a $ 500,000 20 - year level term life insurance policy in 2007 will be $ 615 if he qualifies as a «standard» risk and $ 340 if he meets the more stringent requirements of a «preferred» risk.

Preferred is low risk, which is the least expensive, standard is average risk and average cost, and substandard is high risk and the most expensive life insurance coverage.

As an applicant for life insurance, you'll be placed in a risk category, such as «Preferred» or «Standard,» along with a subcategory of «No Nicotine» that indicates whether or not you have smoked or use nicotine.

Things like flooding and earthquakes probably aren't covered by your standard renters insurance, but the area where you live may put your belongings at risk of damage from such events.

The program provides potential life insurance approvals in as little as 24 hours with up to $ 2.5 million face amounts for standard or better risk classes.

Table rates are life insurance rates that fall below a standard rate and are usually reserved for higher risk applicants.

A person who does not meet the requirements set for a standard risk life insurance policy.

Each life insurance carrier sets its own life insurance rates and decides what individuals fit into the preferred, super-preferred and standard risk classes for rating purposes.

Table rates are life insurance rates that fall just below «Standard» or «Normal» life insurance rates and are generally reserved for those applicants who are deemed «higher risk».

A table rating is a life insurance rate that is generally reserved for those who are consider a «greater risk» than a normal or standard life insurance applicant.

Table rates are life insurance rates are life insurance rates that fall just below standard rates and are generally reserved for «higher» risk applicants.

The annual premium for a 40 - year - old male nonsmoker buying a $ 500,000 20 - year level term life insurance policy in 2008 would have been about $ 725 ($ 60.4 monthly) if he qualified as a «standard» risk and $ 350 ($ 29.2 monthly) if he met the more stringent requirements of a «preferred» risk, the I.I.I. estimates.

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A «Table Rate» is a life insurance rate that falls below a Standard or Normal life insurance rate and is typically reserved for «higher risk» applicants.

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A table rate is a life insurance rate that falls just below a standard rate is typically reserved for «higher» risk applicants.

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