Pre-Existing Health Conditions and How They Affect Your Rates
Health conditions can impact your rates depending on who they are and how your medical issues affect your current
overall health.
Life insurance companies pay very close attention to your current health history. Having any pre-existing health conditions can impact your life insurance rates. When a person applies for life insurance, this is the essential factor.
Health conditions are not the only factor insurers look at, but they are the most common and usually the most important. Other deciding factors could also be dangerous occupations, sports, or even hobbies you are involved in. Even smoking marijuana can impact your rates.
Running into surprises later during the underwriting process can be eliminated with a simple risk assessment. Taking a little extra time and precaution upfront will produce much better results after sitting down and applying.
The better your health is, the lower the rates you will qualify for. Not everybody has perfect health, so you need an excellent agent to help you. We shop the entire market for our clients with or without medical issues to get the best rates possible.
Inform Your Agent of Any Health Conditions You May Have!
Make sure to inform your agent of any medical conditions you may have so he can have you apply with the most applicable insurance carrier that is more liberal in their underwriting for your specific issues.
This will enable your agent to provide you with an instant and accurate premium quote. This also eliminates any negative surprises once you decide to apply and your application is underwritten. Depending on what health conditions exist, your agent can choose a carrier that will offer you the lowest rates.
The chosen insurance company’s underwriter will thoroughly review your application when it begins. They will check for any medical issues that may exist. They will also take into consideration your parent’s basic health history.
For example, a history of critical conditions like cancer or heart disease could be passed on to you through your family genes. This is very important if one or both parents pass away at a young age.
You can Still Receive Good Rates Even With Health Conditions
You can still get affordable life insurance rates by choosing the correct company and plan design.
They will usually 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 products are also considered. All these questions asked by life insurance companies are standard procedures today.
Get the Most Accurate Life Insurance Quotes
Our quote engine will display the best life insurance quotes from over 40 of the top-rated carriers in less than a minute.
As we mentioned above, the pre-screening is a free service performed by myself and is very simple and quick. We usually contact several carriers and communicate directly with the underwriters. This is so we can find out which carrier would offer you the lowest rates. Remember that names are never given to life insurance companies on a medical pre-screen request.
Purchasing life insurance can seem very confusing, but it is a straightforward process. That is why they invented independent life insurance agents to help you every inch of the way.
Our job is to simplify the process and eliminate any guesswork when applying. Once the application process is complete, you should have the best policy for your needs with the best life insurance rates. Use our online quoting system and compare over 40 of the most trusted life insurance companies.
Apply for Life Insurance Over the Phone
Applying over the phone is quick and simple and only takes less than 30 minutes to complete.
Like anything else, there is a right way and a wrong way to do a job. Applying for life insurance is no different. Therefore, working with a professional independent insurance agent specializing in life insurance is a must.
In addition, the insurance market has to be thoroughly shopped for the best rates. Finally, any harmful data such as health issues, dangerous occupations, or hazardous sports must be pre-screened before applying.
If everything is done correctly and by the book, you will be on your way to receiving the best policy for your needs with the lowest rates that will perfectly fit your budget. Of course, there is some work involved, but you have an agent for that.
