Here is how they can affect your application:
Having any pre-existing health conditions can have an impact on you life insurance rates. When a person applies for life insurance, the most important factors are taken into consideration. THE most important factor is the applicants overall health history. We have created a very secure medical pre-screen form that an individual can complete in about 10 minutes. This form works very well to help determine what medical conditions could cause an applicants rates to be increased. Medical conditions should always be pre-screened so there are no surprises later during the underwriting process. This will enable us to provide folks with an accurate premium quote. This eliminates any surprises if you were to actually apply for a life insurance policy. Depending on what health conditions exist, a specific company may have to be chosen.
When the underwriting process begins, the insurance company underwriter will review your application. They will check for any medical issues that may exist. They will also take into consideration your parents basic health history. A history of critical conditions such as cancer or heart disease could be passed on to you through your family genes. This is very important if one or both parents passed away at a young age.
You can still receive excellent rates on life insurance with medical conditions.
Normally they will also ask for medical records from your family doctor for a more in depth look at your current health. Insurance companies will even run a motor vehicle report to get an idea of your driving habits. They will be looking for violations such as driving while intoxicated or reckless driving. This activity could increase your chances of having a fatal driving accident. Also factors such as dangerous sports, hazardous occupations and tobacco use if any are also taken into consideration. All these questions asked by the life insurance companies are standard procedures today.
Getting the most accurate life insurance quotes:
The pre-screen as we mentioned above is a free service performed by myself personally and is very simple and quick. We normally contact several carriers and communicate directly with the underwriters so we can find out what carrier would offer you the lowest life insurance rates. Keep in mind that the names are never given to the life insurance companies on a medical pre-screen request.
If you are planning on purchasing life and have medical conditions, complete our form and we will do the rest. Purchasing life insurance can seem to be very confusing to many people. That is why they invented life insurance agents to help you every inch of the way. Our job is to simplify the process for you and eliminate any guess work when applying for life insurance. When the application process is complete you should have the best policy for your needs at the best life insurance rates. Activate our websites quote engine and compare over 40 trusted life insurance companies.