Find Life Insurance Online: Quote Guide
||You are now in the third step of your quest for affordable life insurance.
now you should have decided whether you want a term life insurance policy or a
whole life policy or a combination of both.
You should also have determined the
amount of coverage that you will need to properly cover your situation.
are ready to start getting quotes to find out more specifically what your
Find Life Insurance Online: Preparing to Request a Quote
The first thing you should do is get together all of the information you will
need to answer all the questions so that you can get an accurate quote. Get your
information together and be sure that you have the answers to all the most
common questions and then it is time to start finding a quote. Some of the
information you need will be obvious; your name, gender and age are the standard
information to start a quote. Most companies will also want contact information;
phone number and address.
In most cases they will also request some
information that might not seem so obvious if this is your first time requesting
a life insurance quote. In many cases they will also request your height and
weight. With this information they will calculate your Body Mass Index and if
this number is outside of what is considered the norm you may find that you have
to pay a higher premium. The reason for this is that it has been medically
proven that overweight people have a statistically higher rate of many disorders
that increase the risk of an early death.
You will be asked if you smoke, and frequently how often and how much alcohol
you drink. The reason for both of these questions should be obvious; it is a
well-documented fact that cigarette smoking is a contributing factor in many
life-threatening disorders. Excessive alcohol consumption is also well known to
lead to some serious health complications.
You may also be questioned about your line of work. This can also affect
your rate if you work in what is considered a high-risk industry. The insurance
companies consider you to be at a higher risk of accidental death.
They may even enquire about your hobbies and activities. If you regularly
participate in what are considered to be high-risk activities you might be
looking at a higher premium. Some things that they may consider high-risk
activities are: rock climbing, skydiving and hang gliding.
The next area that you can expect to answer a lot of questions about our
past health issues. Don t think that just because you have not had any health
issues that you are safe, they will also ask about your family health history at
least two generations (grand parents) back.
They will want to know if you have suffered from seizures, cancer, heart
disease, diabetes, liver dysfunction just to name a few. They will also need to
know your family health history for many of the same disorders. You will be
asked about any major surgeries, including when they happened and what they were
If you personal or family health history could be an issue or if you
participate in activities that are considered risky you might be tempted to be
less than truthful on your application. Resist the temptation; any failure to
honestly disclose your health history and life style could put your pay out at
risk when your family needs to collect. You could end up leaving your family
completely unprotected if you are not honest on your application.
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