Here is how medical conditions 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 be pre-screened to eliminate surprises later during the underwriting process.
Informing your agent of any and all health conditions will allow him to choose the most applicable company for you. The most applicable company will offer the lowest rates.
This will enable agents to provide applicants with an instant and accurate premium quote. This eliminates any negative surprises once you do decide to apply for a life insurance policy. Depending on what health conditions exist, a specific company may have to be chosen.
When the application 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. Dangerous sports, hazardous occupations and using tobacco such as cigarettes 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. Use our free instant quote engine and compare over 40 trusted life insurance companies.
Using a professional approach when applying for life insurance with medical conditions can make or break your application.
One your application has been submitted it becomes part of public history with the life insurance companies. If you receive a decision from your insurance company you are not happy with. You will have the option to apply with another company. The companies use a computer database that show who you applied with, when and the end result. If you dived into an application without determining the most applicable company, your next company will know it. This is simply starting out on the wrong foot, so you and your agent should do your homework. Visit our websites homepage to check out some other life insurance resources. Take advantage of our website’s quote engine and get a free term life insurance quote.