Can I Get Life Insurance ?

Life insurance can be used for various purposes , such as funding a college education , income replacement , and wealth preservation . However , sometimes , just when you need / need life insurance the most , you can not get it due to physical conditions or poor health . But , do not despair too soon , because today many life insurance companies that provide deals on a range of policies just for not so healthy . Why ? Because health is something that is much better , improved lifestyle , advances in medical care and improved diagnostic procedures . This further gives life expectancy for those applicants who have health problems.
Before you go to the insurance companies to fill the various requirements of a given company , consider whether most insurance companies give certain provisions , such as whether they would sell policies to individuals and how much they will charge for insurance protection . Researching the terms or conditions proposed company can help you get the coverage you need.

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The process that the insurance company is able to review / evaluate whether the applicant is insured is called underwriting . Underwriting of each company is slightly different , but in fact the basic concepts . The Company will review more about your current health and your health condition before , but mostly , the insurance company is also considering a number of other factors , such as :

• age of the insured
• sex
• height / weight
• family health history
• insurance purposes
• marital status
• amount of insurance applied for
• occupation
• income
• history of smoking
• dangerous hobbies / activities

The bias , the company will ask you to provide medical records and ask you to do various types of medical examinations . If you have a disease , medical condition or disability , in general , your insurance company will also be examined by a physician to the possibility of choice will also review your medical record .
Keep in mind , that the different life insurance underwriting process with health insurance. There are several chronic diseases and illnesses that require you to perform routine medical care / regular , then , you may be harder to get health insurance from life insurance. For example , life insurance has been issued for people with asthma , heart disease , cancer and hypertension .
Once all the information is collected , the company will assign a rating to you as the insured . The rating firm size of the risk or probability that he will have to pay a death claim within a certain time period . You gathered with other applicants from the same risk category . The company figures some will " beat the odds " and live longer projected life expectancy , the others will die before their time , while some will die within the projected timeframe . Based on underwriting factors , the more likely you will die sooner rather than later , more and more companies will charge a premium to cover the cost of funding the benefits it will have to pay at the time of your death . If the company determines that the risk of premature death claims have to pay too much , he will refrain from offering policies .

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