Determine the Rates You’ll Be Subjected to Before Applying
Clicking on the provided link will direct you to our online pre-screening questionnaire, which will give you an
accurate indication of your potential life insurance rates. Rest assured, your data will be kept confidential, secure, and encrypted throughout the process.
Fill out the straightforward form in approximately 5 minutes. There is no requirement for email or fax transmission. Once completed, click the “submit” button and we’ll provide you with the appropriate rate classification and life insurance quote shortly.
This initial move is essential for securing the most favorable police life insurance rates.
Run a Quick Pre-Screen Prior to Submitting an Application
It’s important to be upfront about any pre-existing medical conditions when applying for life insurance to ensure the most favorable rates. These conditions may influence your premiums, but we’ll make every effort to mitigate their impact.
Investing a few minutes of your time with a simple pre-screen can help you secure the best life insurance rates possible. Also, keep in mind that this is not just limited to health-related issues.
What Medical Conditions Have the Potential to Affect Your Insurance Premiums?
Health conditions, also referred to as medical conditions, encompass ailments like high cholesterol, hypertension (high blood pressure), diabetes, heart issues, obesity, COPD, aneurysms, and Alzheimer’s disease. Also, conditions such as Anxiety, Depression, Alcoholism, Dementia, HIV, Epilepsy, Hyperglycemia, Kidney Disease, Strokes, Asthma, and many others.
Medical condition screenings during life insurance applications can save time and secure the best rates. The choice of a suitable life insurance company is indispensable. Providing a provider that understands and accepts your health condition is imperative.
Perilous Hobbies and Exciting Sports
Among the listed activities are Scuba Diving, Skydiving, Bungee Jumping, White Water Rafting, Base Jumping, Bull
Riding (Rodeo), Motorcycle Racing, and Rock Climbing, as well as Drag Racing. These sports are fun but they can cause a little challenge sometimes.
Life insurance applicants may be unaware that their beloved activities, including Boat Racing, Stock Car Racing, and Private Airplane or Helicopter flying, could pose challenges during the application process.
Certain insurers grant the option to exclude hazardous sports from their policies. In this case, the policy coverage that would be excluded from these sports but it would to premium reductions. This can be perfectly acceptable from some applicants but not for most others.
