Sentences with phrase «substandard rates»

"Substandard rates" refers to rates or levels that are below the expected or desired standards or quality. Full definition
The pricing on substandard rate classes varies so it is imperative that you speak with a licensed professional at TermLife2Go who understands the inner workings of the various life insurance providers.
As you can see, even at substandard rates term life insurance is still very affordable.
However if you have a pre-existing health condition, such as diabetes — you can qualify for substandard rates, and still get life insurance with no medical exam for diabetics.
People with Preferred rates generally pay the least for coverage, while those with Substandard rates pay the most.
For example, most people with cardiomyopathy receive Substandard ratings between Tables 2 and 6.
Miles qualified for mild substandard rates because of his excellent maintenance.
If they were approved, it would be at higher substandard rates.
However, with the recent stress test we were able to secure Keith coverage at slightly substandard rates due to lifestyle credits.
For anyone who has had more than one stent and who has possibly also suffered a heart attack, then they will qualify for less favorable rates; these are known as substandard rates which in our industry we call «table ratings ``.
Typically, if you've used alcohol over the past 5 years you're going to get substandard rates.
If your disease is deemed to be moderate, you will probably be given substandard rates, or even altogether denied insurance coverage.
Smokers have two categories they can fit into, Preferred or Standard Tobacco, and beyond that there are also substandard ratings for smokers with pre-existing conditions, or who are obese.
For example; one company might automatically offer a person substandard rates because they smoke.
As such, this line of treatment will result in higher substandard rates if traditional life insurance is approved.
Most moderate cases of aortic stenosis will result in moderate substandard rates.
With the combination of high cholesterol and the heart bypass, our original offer was for significant substandard rates.
The good news is that life insurance is still affordable, even at moderately substandard rates.
Below the regular «Standard» rating, Life Insurance companies have substandard ratings called Table ratings, usually in the form of Letters or Numbers.
More than one stent usually results in mildly substandard rates, however coverage is still very affordable.
Insured individuals in this rate class pay lower premiums than insureds in a standard or substandard rate class.
However life insurance is still available and affordable to protect your family, even with substandard rates.
Once we had that information however, Scott qualified for life insurance at slightly substandard rates and we found a policy that he cold afford.
Moderately controlled diabetics with a1c levels of 7.0 - 7.9 can expect a table rating, otherwise known as substandard rates.
However, persons in moderately poor health can often obtain insurance at substandard rates (a reference to the insured person's health, not to the quality or strength of the insurance company), which means higher premiums.
Gene qualified for substandard rates, however he still found life insurance protection he could afford.
For more significant health conditions like cancer, stroke, and heart attacks — you might qualify for the highest substandard ratings or even denied.
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The terms Rated life insurance and Table Rated life insurance are commonly used to describe a policy that falls into the substandard rate class for life insurance.
ANICO offers Standard Tobacco, Standard Non-Tobacco, and Substandard Rating.
A 20 year term policy, even at substandard rates will still fit in her budget.
Insured individuals in this rate class pay lower premiums than insureds in a standard or substandard rate class.
However, you still may be able to qualify for a substandard rating, a no exam diabetes policy, or at the worst, a guaranteed issue policy.
Where some companies decline diabetics for life insurance or give them substandard ratings, we routinely help our diabetic clients obtain approvals at standard or better ratings.
Substandard (with table ratings): The Substandard rate class is not a specific rate class like the others above but it is a scale of table ratings that will be based on your health history graded by letters or numbers which would normally be either the letters A-J or numbers 1 - 10.
If you have preexisting health conditions such as diabetes or if you smoke, you can still get approved but with substandard rates and of course higher premiums.
The Substandard rate class is not a specific rate class like the others above but it is a scale of table ratings that will be based on your health history graded by letters or numbers which would normally be either the letters A-J or numbers 1 - 10.
Most companies have preferred ratings, standard ratings, and substandard ratings.
A substandard rating is the most likely rating that someone with an aortic valve disorder will get.
Most of the time, life insurance after a heart attack will come with substandard ratings.
Nonetheless, the odds of you having a standard or substandard rate, as opposed to preferred or plus, are high if you smoke.
Due to the complications of the disease (like heart attacks and cardiac arrhythmias) and the probability of atherosclerosis elsewhere in the body, most CAD life insurance approvals are at substandard rates.
Type I diabetics WILL receive a substandard rating.
A Substandard rating is also common for people who do not have their anemia under control.
However, he still found the protection he needed at a price he could afford even with substandard rates.
Considering that most people over-estimate the cost of life insurance by 300 %, term life insurance is still very affordable (even at substandard rates).
Older applicants with moderate stenosis or aortic insufficiency over the age of 60 usually qualify for mild substandard rates.
This means you may still be offered a policy, although at a more costly standard or substandard rate.
Working with a broker like PolicyGenius means that you can get extra mileage out of that substandard rating and still get the financial protection your family needs.
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