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Wednesday, May 23, 2012
can you extend insurance after buying a car
Life insurance companies will refer to your doctor for medical records that will help them assess your life insurance rates. Get in touch with your doctor and give him a heads up about your application. A positive opinion from your doctor supported by diagnostic tests could go a long way. Underwriters need to be assured that you're doing all you can to bring your health condition under control.
Wait until your health has stabilized after surgery or treatment before applying for life insurance. The longer you have been healthy, the better chances you have for full recovery and increased life expectancy.
Compare rates with as many different insurance companies as you can. This will help you find the company that offers the most low-cost insurance.
Look into group plans which might work to be more cost-effective for you. Group insurance is calculated on the average risk of a group of people. Those with health impairments may find this to be one of the best options for life insurance. If your group life insurance is from your employer, remember that it's not portable, so if your job situation is not secure, you should seek a supplemental policy.
How to find low-cost life insurance companies
Use agents that specialize in high-risk life insurance. These agents are very familiar with the underwriting criteria and variables that companies use for specific health conditions. They can help you find companies that specialize in giving low-cost insurance for your specific condition. You can also use online quoting services and brokers. Services like AccuQuote have more than 1500 life insurance policies from top-rated insurance companies. This includes companies that specialize in high risk health conditions.
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