Term Life Insurance Quote Considerations
term life insurance quotes formulated?
Affordable term life insurance, and we're not pushy
Obtain the most accurate, lowest
price Insurance quote.
Unless you or your insurance agent has determined your proper
quote classification, the quotes you receive
will have no meaning at the time of underwriting; whether it be
An offer from the company underwriter is the only true and reliable term life insurance quote; All others are just best guesses! That being said, let's go on.
You should know, not all insurance
websites sell life insurance at all. They simply sell your request for
information to a local insurance agents who then call on you. The prospective insured will only know that he or she has obtained the lowest price for their insurance when they see a insurance quote in spreadsheet form from all top rated companies.
Rate classes the
Best, Preferred, Standard Plus, Standard, Standard Table 1-10
Standard, Standard Table 1-10
How is the accuracy determined?
Term Life Insurance Quotes are determined by the following
Tobacco – Non-tobacco
for tobacco users are generally 2 to
3 times higher in price than non-tobacco quotes because
shortened life expectancy and serious health problems are a
consequence of tobacco use.
don't lie - lying
constitutes fraud! If you die within the
contestability period, the company will take a
thorough look at your death certificate to determine whether or
not your death was caused a by tobacco use related illnesses.
Height and Weight
This height and weight chart should be reviewed.
It is important to obtain as many different company quotes as
you can to get the best premium quote. If your weight reaches a
certain level, you will have to pay more. In all instances, the heavier you are, the more
Each insurance company views health
conditions differently. We have available our
impaired risk questionnaires to help evaluate the extent of
your health risk. We will then be able to shop
your particular situation.
A preferred Quote
offer is not usually possible with
Sub-Standard Table 1-10
conditions are usually not insurable at standard or better
Reports are usually ordered
under all circumstances:
conditions also affect premium quotes.
Hazardous hobbies, like scuba diving, being a pilot, and other such activities, will cause
your quoted premium to be higher.
can be found here.
The purpose and need
is an important source of information for the
underwriter to validate a quote offering.
Usual income multiplication factors.
18 – 30
31 – 40
41 – 50
51 – 55
61 – 65
At certain age and life insurance amount level requires a
written verification of finances from an informed and
disinterested third party.
The negative side
Getting an accurate quote is not usually instant.
Frustration could prevail to a level of not getting any coverage
We have secured most of the top companies. We know
their underwriting. And we are committed to helping the
public on these issues online since 1999.
Offering the Largest Selection of
Top-Rated Companies Instantly!
PO Box 30248
Charleston, SC 29417
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