Substandard Impaired Risk Life Insurance
Asthma Life Insurance rates and plans
If you are an Asthmatic and currently are in the market to find and buy the best most affordable term life insurance policy, then you may want to read the following article. The key is providing as much information upfront to your agent or broker so they may shop the life carriers and working with [...]
Mountain Climbing and getting Life Insurance
If you are planning on trekking up Mt. Rainier or the great Kilimanjaro and then getting Preferred Life Insurance rates, well you might want to prepare yourself. Well that will depend totally on an number of factors that the Underwriters will be looking at and for when evaluating your life application. Remember the more detail [...]
Hepatitis C or Hep C Life Insurance, can you get coverage
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Have you ever noticed just how many health and lifestyle avocation and impairments there are? People walk around all day and you might never know someone has Hepatitis C or Hep A or Hep B. Yet people do get this infections and it affects a number of U.S. residents. The good news is [...]
Life Insurance if you are Overweight or have Build problems
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How much you weigh or your build is one of the top life insurance underwriting critiera that the underwriters look for right from the start. Carrying a few extra pounds has shown that it can lead to other health issues, such as high blood pressure, heart disease and diabetes.
Be smart and if [...]
Can you get Life Insurance if you have had an Angioplasty
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Yes you still can find and buy Life Insurance if you have had an Angioplasty procedure. There are a number of issues you need to take into consideration and some steps to take to help ensure that you get the absolute best life insurance rates.
Angioplasty Life Insurance
Percutaneous Transluminal Angioplasty or PCTA.
This procedure [...]
Substandard Impaired Risk Life Insurance Underwriting Manual
Impaired Risk and Substandard Life Insurance is an industry term that indicates the insured has health, lifestyle or recreation issues that preclude them from obtaining the best rate classes. Life Insurance carriers each have their own rate classes where likely insureds would be classified in and that is how the premiums are calculated. What this [...]
Sleep Apnea Life Insurance - Guide to get better rates
Sleep Apnea is a condition where your breathing stops for a short period of time during sleep. In general there are three types of apnea that occur during sleep:obstructive, central, and mixed. This condition can cause some issues and dangers including but not limited to the following:
Hypertension
Cardiovascular Impairments
Dulling of memory and intellect
Depression
Obesity or Build
When sleep [...]
Acronyms used in Life Insurance Underwriting part I
If you have ever applied for life insurance or for that matter health insurance you might have run across some words and acronyms that made no sense to you at all. I decided to put this article together to try and list some of the most common acronyms used in life insurance underwriting. The goal [...]
The Truth about Substandard Impaired Risk Life Insurance Underwriting
Substandard Term Life Insurance Policies - How to get the best rates
Substandard Impaired Risk Life Insurance is an industry term used to describe insureds that do not qualify for standard or better rate classes. Life Insurance carriers each have their own rate classes where potential insureds would be classified in and that is how the [...]
Diabetes Life Insurance Underwriting Guide
This diabetes life insurance underwriting guide can and should help you diabetics better understand how to get the best life insurance underwriting when you apply for a policy.
Diabetes is a metabolic disorder that is caused by not enough production of insulin in the body. It is mostly irreversible but can be controlled by diet, [...]