How to Get Life Insurance For Seniors Over 75 No Medical Exam?
High cholesterol can be dangerous to your health.
It can also affect your chances of getting quality life insurance.
A high cholesterol ratio tells life insurance subscribers that they are more likely to have heart disease, a heart attack or a stroke.
If this happened and you died, your insurer could end up paying the death benefit of your policy much earlier than expected.
Therefore, subscribers respond to high cholesterol by rejecting their application or charging higher premiums.
How to Get Life Insurance For Seniors Over 75 No Medical Exam?
For a consumer, this trend can create a frustrating Catch-22: your high cholesterol may mean that you are anxious to have coverage in place.
But your high cholesterol level is also the reason why you can not access the best coverage at the best rates.
Request coverage with high cholesterol: the vision of your insurance company
Person with high cholesterol who gets life insurance for elderly over 75 no medical exam. I will share some strategies below to help insurance buyers with high cholesterol.
First, however, let's take a look at how insurance companies analyze their cholesterol readings and how their readings fit into the larger picture of the life insurance underwriting process.
Not always high versus low
We think that cholesterol is high or low, and for good reason: usually, our doctors speak it.
However, insurance companies tend to be more interested in your cholesterol index.
We have two main types of cholesterol:
The good cholesterol: HDL (high density lipoprotein) can really help preserve your arteries.
Bad cholesterol: LDL (low density lipoprotein) tends to block arteries and stress your heart.
If the good type of cholesterol increases your readings, it is not so bad, and your HDL vs. LDL will communicate the news to insurance underwriters.
Your ratio will normally be expressed as a low number.
For example, a 2 is really good, while a score of 6 means you could use some work.
To find your proportion, divide your LDL number by its HDL number.
Different rate classifications
Cholesterol, of course, is not the only factor that subscribers consider.
Here are some more considerations:
Blood pressure
Body mass index
Rest pulse
Years
Family health history
Occupation
Driving record
Credit score
Other criteria (depending on your insurance company and the regulations of your state)
Then, unless cholesterol is your only area of concern, you should consider several problems to improve your rate classification and access the best life insurance for elderly over 75 no medical exam rates.
For now, however, we will stay with the subject in question: high cholesterol.
Some strategies to make finding coverage easier
Many people do not know about their high cholesterol until they apply for life insurance and get a medical exam.
Which means that you and your life insurance company learn about your high cholesterol simultaneously.
At that time, you must make a decision: continue the insurance application process and pay more than you expected, or suspend the brakes and consider other options.
You can avoid this dilemma by scheduling your own medical exam, including a standard lab panel, before applying for insurance.
This way, you can see where you are before your life insurance for seniors over 75 no exam company finds out.
No matter how you have discovered your high cholesterol, use the strategies below to develop your plan and get the perfect coverage.
Strategy 1: Lower your cholesterol
I'm not a doctor, and I've never played on television, but I think it's worth mentioning from the beginning.
If high cholesterol is the main barrier between you and the affordable and medically subscribed coverage that can protect your family for decades, you could solve the problem by lowering cholesterol.
Here are some practical tips to reduce cholesterol:
Reduce the amount of red meat, fried foods, etc., and eat more vegetables, fresh fruit, whole grains and lean meats.
Start exercising
Give it time. Within a year, if you stick to your plan, you can feel better and have a lower cholesterol reading.
Have your doctor prescribe medications to help your cholesterol. There are many medications to control high cholesterol.
I know, I know, this plan might not work.
Maybe you can not wait a year before getting coverage ...
Or high cholesterol runs in your family and there is not enough broccoli in the world to help.
Professional advice: although depending on the medication may not seem so attractive to subscribers, it is advantageous to demonstrate that you have a low health problem with your body.
Getting in shape is one of the best tips to get affordable life insurance for elderly over 75 years old.
And it's not just their rates that will improve; you will improve your general health
Talk to a doctor to make a plan for your specific health needs.
Strategy 2: Insist on medical record updates
If you have been diagnosed with high cholesterol but have successfully controlled the problem, make sure your doctor's office updates your medical records.
More and more insurance companies rely on electronic medical records, and if theirs are outdated, you may not get credit for your health improvement.
Professional advice: if you are young and healthy enough in addition to reading high cholesterol (and if you need a lot of coverage to protect your family's financial future) this may be the strategy for you.
Read on to find strategies that do not involve treadmills.
Strategy 3: reduce your coverage standards
Would not it be nice if insurance underwriters simply never discovered about their high cholesterol?
It turns out that it is not an exaggerated idea.
Many life insurance companies offer life insurance over 70 to 75 policies without exam, and they work the way you think.
You apply for coverage, answer a questionnaire about your health and, in most cases, get approval for coverage, often within a day or two.
It sounds too good to be true?
It's not, but (you knew this was coming, right?) There's a catch, some really catch:
Less coverage: the coverage amounts for policies without exam tend to be significantly lower than the medically subscribed coverage (with exam). You can find medically subscribed coverage up to $ 2 million; Coverage without exam usually ranges from $ 250,000 to $ 350,000.
Higher premiums: despite the lower coverage amounts, premiums will be much higher for coverage without examination. The medically subscribed term coverage offers some of the lowest rates that exist. Premiums without examination live at the other end of the price spectrum.
Deferred access: some policies without examination will not pay the full death benefit if you died during the first two years of the policy. Instead, they would pay a percentage or simply reimburse the premiums they had already paid.
In fact, the coverage without exam is not as solid as the medically subscribed coverage.
https://insurancequotereview.weebly.com/medical-insurance-for-senior.html
* Get Life Insurance For Seniors Over 75 No Medical Exam Compare Rates Quotes.
High cholesterol can be dangerous to your health.
It can also affect your chances of getting quality life insurance.
A high cholesterol ratio tells life insurance subscribers that they are more likely to have heart disease, a heart attack or a stroke.
If this happened and you died, your insurer could end up paying the death benefit of your policy much earlier than expected.
Therefore, subscribers respond to high cholesterol by rejecting their application or charging higher premiums.
How to Get Life Insurance For Seniors Over 75 No Medical Exam?
For a consumer, this trend can create a frustrating Catch-22: your high cholesterol may mean that you are anxious to have coverage in place.
But your high cholesterol level is also the reason why you can not access the best coverage at the best rates.
Request coverage with high cholesterol: the vision of your insurance company
Person with high cholesterol who gets life insurance for elderly over 75 no medical exam. I will share some strategies below to help insurance buyers with high cholesterol.
First, however, let's take a look at how insurance companies analyze their cholesterol readings and how their readings fit into the larger picture of the life insurance underwriting process.
Not always high versus low
We think that cholesterol is high or low, and for good reason: usually, our doctors speak it.
However, insurance companies tend to be more interested in your cholesterol index.
We have two main types of cholesterol:
The good cholesterol: HDL (high density lipoprotein) can really help preserve your arteries.
Bad cholesterol: LDL (low density lipoprotein) tends to block arteries and stress your heart.
If the good type of cholesterol increases your readings, it is not so bad, and your HDL vs. LDL will communicate the news to insurance underwriters.
Your ratio will normally be expressed as a low number.
For example, a 2 is really good, while a score of 6 means you could use some work.
To find your proportion, divide your LDL number by its HDL number.
Different rate classifications
Cholesterol, of course, is not the only factor that subscribers consider.
Here are some more considerations:
Blood pressure
Body mass index
Rest pulse
Years
Family health history
Occupation
Driving record
Credit score
Other criteria (depending on your insurance company and the regulations of your state)
Then, unless cholesterol is your only area of concern, you should consider several problems to improve your rate classification and access the best life insurance for elderly over 75 no medical exam rates.
For now, however, we will stay with the subject in question: high cholesterol.
Some strategies to make finding coverage easier
Many people do not know about their high cholesterol until they apply for life insurance and get a medical exam.
Which means that you and your life insurance company learn about your high cholesterol simultaneously.
At that time, you must make a decision: continue the insurance application process and pay more than you expected, or suspend the brakes and consider other options.
You can avoid this dilemma by scheduling your own medical exam, including a standard lab panel, before applying for insurance.
This way, you can see where you are before your life insurance for seniors over 75 no exam company finds out.
No matter how you have discovered your high cholesterol, use the strategies below to develop your plan and get the perfect coverage.
Strategy 1: Lower your cholesterol
I'm not a doctor, and I've never played on television, but I think it's worth mentioning from the beginning.
If high cholesterol is the main barrier between you and the affordable and medically subscribed coverage that can protect your family for decades, you could solve the problem by lowering cholesterol.
Here are some practical tips to reduce cholesterol:
Reduce the amount of red meat, fried foods, etc., and eat more vegetables, fresh fruit, whole grains and lean meats.
Start exercising
Give it time. Within a year, if you stick to your plan, you can feel better and have a lower cholesterol reading.
Have your doctor prescribe medications to help your cholesterol. There are many medications to control high cholesterol.
I know, I know, this plan might not work.
Maybe you can not wait a year before getting coverage ...
Or high cholesterol runs in your family and there is not enough broccoli in the world to help.
Professional advice: although depending on the medication may not seem so attractive to subscribers, it is advantageous to demonstrate that you have a low health problem with your body.
Getting in shape is one of the best tips to get affordable life insurance for elderly over 75 years old.
And it's not just their rates that will improve; you will improve your general health
Talk to a doctor to make a plan for your specific health needs.
Strategy 2: Insist on medical record updates
If you have been diagnosed with high cholesterol but have successfully controlled the problem, make sure your doctor's office updates your medical records.
More and more insurance companies rely on electronic medical records, and if theirs are outdated, you may not get credit for your health improvement.
Professional advice: if you are young and healthy enough in addition to reading high cholesterol (and if you need a lot of coverage to protect your family's financial future) this may be the strategy for you.
Read on to find strategies that do not involve treadmills.
Strategy 3: reduce your coverage standards
Would not it be nice if insurance underwriters simply never discovered about their high cholesterol?
It turns out that it is not an exaggerated idea.
Many life insurance companies offer life insurance over 70 to 75 policies without exam, and they work the way you think.
You apply for coverage, answer a questionnaire about your health and, in most cases, get approval for coverage, often within a day or two.
It sounds too good to be true?
It's not, but (you knew this was coming, right?) There's a catch, some really catch:
Less coverage: the coverage amounts for policies without exam tend to be significantly lower than the medically subscribed coverage (with exam). You can find medically subscribed coverage up to $ 2 million; Coverage without exam usually ranges from $ 250,000 to $ 350,000.
Higher premiums: despite the lower coverage amounts, premiums will be much higher for coverage without examination. The medically subscribed term coverage offers some of the lowest rates that exist. Premiums without examination live at the other end of the price spectrum.
Deferred access: some policies without examination will not pay the full death benefit if you died during the first two years of the policy. Instead, they would pay a percentage or simply reimburse the premiums they had already paid.
In fact, the coverage without exam is not as solid as the medically subscribed coverage.
https://insurancequotereview.weebly.com/medical-insurance-for-senior.html
* Get Life Insurance For Seniors Over 75 No Medical Exam Compare Rates Quotes.