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Archive for September, 2008

Whole Life Insurance Victoria Texas

Sep 22

Posted by admin in Compare Life Insurance rates, Term Life Insurance | Comments off


What is level death benefit in a whole Life insurance policy?

Tessa

Victoria,TX.

 

 Tessa,

Whole life provides a level death benefit and level premiums throughout your life and for as long as you continue to pay the premiums. For example, a healthy 40 year-old female might pay $4,200 per year for a $500,000 whole life policy. The premium remains level at $4,200 per year for the rest of her life and, in the event of death at any age, the policy will pay $500,000 to her beneficiary.

 

Great Question.

No Exam Life Insurance Corpus Christi Texas

Sep 20

Posted by admin in cheap no exam life insurance, Compare Life Insurance rates, Term Life Insurance | Comments off


 Can I get a low rate no exam Life Insurance policy?

Frank

Corpus Christi, TX.

 

 Frank,

The low premium amounts that are offered are only going to offer low

benefit amounts. While no medical term life insurance is affordable by nature, nothing is that affordable. People who tend to buy no medical insurance are generally the more risky people to insure because they have pre existing conditions or have aged considerably and are still seeking insurance coverage.

When it comes to larger insurance policies, the rates for have to be equally as high.

No medical term life insurance is therefore much more popular for people who are older, or who have poor health and whose term insurance rates will suffer as a result. For many consumers however,no medical term life insurance still may not be the ideal alternative. This is because it may be just as easy to work to improve your health, to get a real policy with low rates. Many people who seek no medical term insurance rates are actually in such poor health that if they were honest on their applications, they would not qualify.

 

Great Question.

Cheap Term Life Insurance Quotes Port Aransas Texas

Sep 17

Posted by admin in Compare Life Insurance rates, Term Life Insurance | Comments off


What do I need to do before I apply for Life Insurance? 

Harry

Pot Aransas, TX.

 

Harry, 

 Gather all possible medical records before you apply, from the first pathology report to medical records to treatment records. That ensures medical underwriters have the most complete picture of you, your health, and your cancer history. Having all those records before you apply will reduce delays in your application process, because your life insurer is going to request them and will wait for them. The information you provide can garner you better premiums in the end:

The less life insurer underwriters knows about you, the more likely they are to have to assume you are the highest risk and offer you high premiums accordingly. Make sure you have complied with your doctor’s treatment plans. For example if your doctor asked to see you back in one year and you

haven’t been back in four years, get to your doctor for your check-up before you apply for life insurance. Your life insurer is not going to offer you a policy without before seeing the results of that check-up.

Similarly, if you’ve had breast cancer and you’re due for a mammogram in

December and you apply for life insurance in October, your life insurer will likely wait for the results of your next mammogram.

 Get prices from several companies. Policy costs can vary a great deal

among companies.

 See if you can get group life insurance through a professional, fraternal, membership, or political organization to which you belong.

 

Excellent Question.

Compare Life Insurance Quotes McAllen Texas

Sep 8

Posted by admin in Compare Life Insurance rates, Term Life Insurance | Comments off


Can I compare Life Insurance policies online?

Sarah

McAllen, Tx.

 

Sarah,

 You should request quotes from a number of companies, then compare what each has to offer. When you are comparing each company quote, there are three things to be aware of: rate, product features and the insurance industry rating. The rate is self-explanatory and the product

features refers to the policy itself. The insurance industry rating refers to the insurance company providing the life insurance quote, and a review of companies can be found by visiting the AM Best website. Also, there are insurance companies who specifically cater to high-risk individuals. One of these insurance companies may be able to secure a lower rate for you in your insurance policy.

 

Great Question.

Smokers Life Insurance Mercedes Texas

Sep 8

Posted by admin in Smokers Life Insurance in Corpus Christi, Term Life Insurance | Comments off


But how exactly does smoking affect term life insurance rates?

Hillary,

Mercedes, Tx.

 

Hillary,

 

It’s common knowledge that smoking is bad for your health. The affect that smoking has on the individuals who smoke is impossible to ignore. There are many illnesses, many resulting in death, that are linked to smoking. The life expectancy of smokers is shorter than those who do not smoke. When insurance companies identify that an applicant is a smoker, it automatically raises red flags. The person is considered to have a shorter life span, and is expected to possibly have health issues later in life. Because of this, insurance rates for that specific individual, are likely to be higher.While it is easier said than done, managing to quit smoking can lower your rates. If you are already locked into a policy, you are allowed to update your medical exam at any time. If you

have quit smoking, updating this exam can be a way to show that you’ve quit. While quitting smoking can be difficult, managing to do so can help you out in lowering your term life insurance rates.

There are multiple ways that companies can tell if someone is a smoker.

First, there is a questionnaire that is given to every individual looking into term life insurance rates Some of these questions include smoking. Many see this and think that it would be easy to lie to the company, saying that you do not smoke. That is untrue, however. One of the other steps in the process of getting life insurance is to have a medical exam. The company is looking for specific things through this exam. Because there are chemicals left behind in your body by smoking (such as nicotine), the company can easily tell if you are a smoker.

This is why it is important to understand that you should never lie on the questionnaire, under any circumstances. All of your life insurance (and policies) can be revoked if they find out you lied.

 

Great Question.