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To do things like sell pre-need for a funeral home?
Additional Details
I live in O... |
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| If someone is under Cobra insurance, will they have problems switching to another insurance? Time penalty? |
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Kelly H | Is credit used in determining health insurance rates? |
I am licensed in GA for property & casualty insurance, so I know credit is used to help determine rates for auto & homeowners insurance, but it is considered in health insurance? |
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nurse ratchet
|
The first 10 years of my "insurance life" were doing only commercial property and casualty. I started selling life and health in 1994. I currently do both, and have no companies that require a credit check on the L&H side. I believe that is because there can be no financial gain on the L&H side (except for death in life insurance, and you don't gain because you are dead!). Even though insurance is designed to make you whole and put you where you were before the loss, you can lose your home to a fire, and be better off than you were before the loss occured. This is because everything that you own now is new, and what you lost in the fire could be stuff that has depreciated down to practically no value. Of course, you would need replacement cost coverage for this to happen. |
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Suzanne: YPA
 |
There is no reason why health insurers would be concerned with this information. Morbidity is not at all affected (positively or adversely) by a person's credit rating.
However, mortality can be affected. This is why credit ratings can be used when underwriting an individual life insurance policy. |
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rlvanhazel
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Not in any company that I deal with and I've represented at least 10 health carriers in my state |
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mbrcatz
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No - I think current medical health is a much more accurate predictor of future losses than credit. No one knows why credit predicts future property/casualty losses so well, just that it does.
No doubt, whatever the reasons, they aren't also reflective of health losses. |
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Broker
 |
Interested in finding the best insurance rates for individuals of all ages? From children to medicare aged. We offer the lowest cost companies with the best coverage. visit www.mcclerkinins.com for the very best. |
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Insurance Biz CT
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Hi Kelly,
No there are no questions regarding credit on a health insurance application, at least in the states in which I do business.
In fact, most of our individual products are table rated, which means that they are age and gender based. Also, with most carriers, there is no consideration given to pre-existing conditions in the rates. They don't get "rated up", either accept or decline. |
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delight d
 |
get health insurance with no strings....
http://g13.us/healthins.html
pre existing conditions are ok
bluecross available
plans from $79
everyone approved 100% |
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