Sentences with phrase «what health rate class»

Your overall health history will help determine what health rate class you will be able to qualify for.

The life insurance medical exam can make or break your bank, based on what health rate class you are ultimately approved at.

Not exact matches

Meaning, the policy can always be converted to a permanent policy no matter what health conditions the primary insured has developed over the years because the policy is converted at the original rate class qualified for.

Here you will learn what those heart issues mean for your health class and your potential life insurance rates.

So your physician gives you a clean bill of health, but the life insurance company gives you a standard or sub-standard health class rating, what the heck?

Underwriters review the applicant's health information as well as other factors to determine what rate class will be assigned to the applicant.

The results of your underwriting process (age, lifestyle, family health history, etc.) determine what class a life insurance company puts you in and also determines your premium rates.

Underwriters review the proposed insured's health information as well as other factors to determine what rate class is assigned to a propsed insured.

Your family's medical history can influence what rate or health class an insurance carrier will assign you.

By getting a clear picture of your health from your life insurance medical exam, the insurance company can place you in the most accurate rate class, which determines what you pay.

Going from one website to another getting life insurance quotes all over the internet is very time consuming, frustrating and can be a waste of time in many cases due to the fact that you do not know what rate class you should be quoting and what carriers is going to be your best bet for the lowest rates which is dependent on your health history and lifestyle.

Like most other life insurance products, the cost of whole life insurance is determined by age, health, lifestyle, and other factors that contribute to your placement into what life insurers call a «rate class».

Some general guidelines on what rate class you can qualify at for certain health and lifestyle conditions:

Lastly, while it's great that you just recently visited a doctor and believe that you will qualify for a «Super Preferred» rate, you should understand there are a lot of factors that go into determining what rate class you may or may not qualify for and many of those factors have nothing to do with your health!

You shouldn't assume that your health will prevent you from getting a medically underwritten policy from any insurance company, however, because each life insurance company has its own standards for what medical conditions it accepts and what rate class it puts them in.

What health class you qualify for will ultimately determine your life insurance rates by age.

What you're generally going to find is that at a minimum, it is going to be difficult if not impossible to qualify for anything better than a «rated» health class when applying for a traditional term or whole life insurance policy.

Applicants with these types of chronic or serious health issues may not qualify at all for what is referred to as «medically underwritten» life insurance coverage or be placed in a more expensive rate class.