 Insurance claim need advice? |
| On the 11th March I was travelling and the airline lost my baggage. I was insured. The airline has asked me to send all details and the items lost plus their value. My question is do I claim my ... |
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 Can an insurance company dictate how many hours you work a week? |
| My insurance company states that if I drop the insurance, I can work no more than 25 hours a week, can they do this?... |
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 Insurance for house which has been underpinned? |
| I am in the process of buying a property but according to the survey I got it will need underpinning on one corner. I have phoned lots of insurance companies up even specialist ones but if I do buy ... |
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 State farm just sent me a check for $63.50. Whats this about? |
They say its a dividend check for a policy. Why did they send me this money. Is this a scam or should I just put it into savings somewhere...maybe an I bond or something?
I just cannot ... |
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 Can you carry a life insurance on someone with out their consent? |
A lady was telling me her father had life insurance on her and she felt uncomfortable about it.
I told her, "he has to have your permission to have life insurance on you"
Then I ... |
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 Policy loan from life insurance interest pay to insurance company! why? |
| Any one can tell me, loan money from life insurance policy cash value intrest collect from the lisurance company, the cash value is my own money, should I paid intrest back to myself? not to ... |
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 My health insurance..... told me i wasnt sick enough?? |
| so here's my story..... i needed to go to the emergency room the other night. it was about 12am. and you know where else are you going to go when you need medical attention right away. and know ... |
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 Denied disability insurance? |
My father has COPD and hasn't been able to work for about 4 years he was turned down for dis.insur, because he didn't pay in enough something???
I don't under this, is he entitled?... |
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 How do the insurance companies view single folks? |
| What i mean is... i just was in my Bible study looking @ 1 Cor. 4 where Paul is talking about being single VS married. i made to comment, i've been told the insurance business willdoes consider ... |
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 Pregnancy and Health Insurance? |
| I just found out that i am pregnant and unfortuneatley do not have health insurance. My finace has health insurance through the union, do we have to be married for me to be put on his health ... |
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 Letting someone borrow your car? |
| my car is registered and insured by AAA and my friend has a valid license. is there anything i should be worried about letting him borrow my car for the weekend? i live in california. thanks!... |
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 Homeowner's Policy-Question about replacement value . . .? |
| I just got a notice from my insurance company that they are raising my coverage for replacement of the dwelling. This is about a 50% increase over what I previously had (just switched to this ... |
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 Should I quit or not? |
| My boss treats me like crap, and I feel miserable going to work. She will exchange comments that make me feel worthless, she even "jokingly" told me should would slap me across the face if I... |
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Constance Y | What do they test for when getting Life Insurance? |
I wanted to get a life insurance policy for my family and myself. They want to take blood and a urine sample. What are they looking for? Drugs, nicotine, disease???? What's the deal? |
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Luv2Cook
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They are looking for drugs yes as well as things like hepatitis, blood disorders, and other diseases that might potentially be life threatening. If they find something, it does not mean you will be disqualified, you might not get as much coverage as you want. Medical underwriting is about risk, how much risk are you to the insurance company. I sell life insurance so I understand what the insurance company wants, they want a good risk. They will calculate your age, gender, medical conditions, lifestyle and family history to determine your mortality age (when you statistically will die) so they can calculate an annual premium for the amount of insurance you have applied for.
By the way, life insurance is the best wealth transfer investment vehicle out there. . . goes to the beneficiaries income tax free, doesn't mean it won't apply to estate taxation, but the beneficiaries will not have to include the insurance proceeds as income. Good Luck. |
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Insurance Pickle.com
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Yep, that's what they're looking for. Also checking your cholesterol levels because generally you have to be under 220 to get the "best" rate...."240" for the 2nd best etc...(although some companies are a little different).
There are companies that dont' check blood, but they already calculate that there must be a reason you don't want to do it and they charge you ~5X the cost.
Check out my blog as I have some tips to lower your cholesterol and sugar to get a good rate.
You can also quote plans while you're there to make sure too.
Jeff |
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src50
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Routine medical underwriting for life insurance. |
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Courtney
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Drugs, nicotine, high blood pressure, diabetes, disease, cancer, blood disorders-basically everything you can think of.
The more ailments you have, the higher the premium. |
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Christie
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When you apply for life insurance, the insurance company wants to make sure you're healthy. Think about it - it would be a terrible business decision for them to issue coverage to someone who is very ill and may die soon. That's a risk they don't want to take. They will test for a variety of different things, including those you list above. They will also test for illness such as high blood pressure, diabetes, etc. You may be able to get coverage even with an illness, but you can bet you'll have to pay more for it than you would if you were healthy. |
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Michael M
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Life insurance rates are set based on how long the insurance company expects you to live. The longer they can avoid paying the death benefit then the less they can charge you. They are doing those blood and urine tests so that they can verify all of your answers on your application and charge you the lowest rate possible.
The insurance companies have underwriters that will look at the results of your tests and determine whether their are items that could affect your life expectancy. Tobacco use, drug use, obesity, diseases, your job, etc all have an affect on your life expectancy.
When I had mine the nurse came out to my house at the time of my choosing and spent about 15 minutes there. Height, weight, pee in a cup, one vial of blood, strap on the portable EKG for a few minutes and we were done. |
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aaron p
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Yes, all of the above. If you have any insurability concerns like you tend to have elevated liver functions, might have hepatitis antibodies, or use drugs occasionally, you should talk with your agent openly about this. Their job is to help place your business, not pass judgment. All the conditions I mentioned are potentially coverable through a standard company for a reasonable rate.
The insurance company is going to be on the hook for a lot of money to your family and they want to take precautions to make sure you aren't in ill health. |
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mbrcatz
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Drugs, nicotine, cholesterol, diabetes, pregnancy for the women. |
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