Life Insurance Application California CA
Reader’s Question:
I applied for life insurance in California and they told me to get a medical exam. Is this necessary? What if I received an unfavorable result, how would this affect my life insurance application?
Tanya
Los Angeles CA
Most of the California insurance companies require applicants to take a medical exam. This will help insurance company in providing the proper life insurance category.
In case you receive an unfavorable result but not a serious illness like high blood pressure and cholesterol level, your insurance company will likely offer you a standard premium but higher than originally quoted at the pre-exam depending on the risk factors that your health condition may likely pose. You will receive medical information together with the letter to explain the reason why you are placed to this category.
If you want to lower your insurance rates in California, you can take the result to your doctor and ask for assistance to improving your health condition. One of the ways to do this by taking the medications from your doctor as directed. Once you take control of the risks factors, you will be able to make a petition to lower your life insurance premium.
Tags: life insurance, life insurance rate
Senior Life Insurance Washington WA
Reader’s Question:
I have finally convinced my mom to get her own life insurance before it’s too late. Is it still possible for senior person here in Washington to acquire life insurance?
Noemi
Spokane, WA
A lot of senior citizen are not so lucky to be free of responsibilities and they don’t have enough savings to pay for what they owe, their final expenditures and some other commitments. What’s more is that as people get older, we could also have more health problems. But a number of insurance providers have widened their coverage for the elderly and they have senior, guaranteed and final expense life insurance plans to cover the needs for elderly life insurance.
These programs for elderly life insurance, which are also available in Washington, are whole life insurance plans which mean that it would remain in force provided that the plan is reserved in force. Normally, elderly life insurance policies are kept in force by paying the premiums all at once. Also, life insurance for the elderly does not commonly require medical tests. The types of life insurance policies for the elderly are simple issue and guaranteed issue life insurance plans. Simple issue life insurance policy will give urgent death benefits. They normally ask health questions during the application phase but most of the elderly may qualify. For guaranteed issue life insurance, insurers won’t ask any health questions but they rather underwrite by holding up complete coverage usually for 24 to 36 months. In the event that the insured dies while in the qualification period, they would refund all the premiums plus interest.
Tags: senior life insurance
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