Find Out What Your Rates Will Be Before You Apply!
Just click this link to our online pre-screening questionnaire and we will do the rest. This will help you get an accurate idea of your rates if you apply for life insurance. This form is confidential, secure, and encrypted, and it’s a snap!
*Complete the simple form (it takes about 5 minutes). No emailing or faxing back. Just click the submit button, and that’s it. We will review the information and contact you with an accurate rate classification and life insurance quote.
Pre-Screen Before Applying
Medical condition pre-screening is essential in securing the best life insurance rates you may qualify for. Having any health conditions could affect the final rates of your application. However, we want to limit their impact on your premium.
Investing a few minutes of your time with a simple pre-screen can help you secure the best life insurance rates possible. Also, keep in mind that this is not just limited to health-related issues. For example, even smoking marijuana can affect your rates.
What Type of Medical Conditions Can Impact Your Rates?
Medical conditions are otherwise known as health conditions. These could include conditions such as high cholesterol, hypertension (high blood pressure), diabetes, heart conditions, being overweight, COPD, aneurysms, and Alzheimer’s disease. Also, conditions such as Anxiety, Depression, Alcoholism, Dementia, HIV, Epilepsy, Hyperglycaemia, Kidney Disease, Strokes, Asthma, and many others.
Medical conditions pre-screening can save time and help find the best life insurance rates. Choosing the right life insurance company to use is the most critical decision. Using an insurer that is liberal to your condition is paramount.
Hazardous occupations such as Structural Iron and Steel Workers, Farmers and Ranchers including Agricultural Managers, Truck Drivers, Drivers, and Sales Workers, Construction Workers & Laborers, Refuse and Garbage Collectors, Electrical Power Line Repairman & Power Line Installers, Roofers, especially the Commercial Roofer working with hot tar, Airplane Pilots and Helicopter Pilots along with Flight Engineers,
Logging workers, otherwise known as Loggers & Lumberjacks, Commercial Fishermen working in the oceans, and several others.
Dangerous Sports & Hobbies
Some of these sports would be Scuba Diving, Skydiving, Bungee Cord Jumping, White Water Rafting, Base Jumping, Bull Riding (Rodeo), Motorcycle Racing, Rock Climbing, Drag Racing, Boat Racing, Stock Car Racing, Private Airplane and Helicopter flying just to name a few. Unfortunately, most people never realize that their favorite sport or hobby could cause an issue when they go to apply for life insurance.
Some companies will allow a dangerous sport to be excluded from a policy. Some of the carriers will even enable you to ask for reconsideration if you quit your involvement in the sport, which would reduce your premiums.
All the best,