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What Questions Are On A Typical Life Insurance Application?
When applying for life insurance, it is important for the insurance company to obtain as much information as possible about you prior to taking you on as an insured. This is because the insurer is essentially taking a big risk on each applicant that they approve for insurance in terms of the amount of claim that they could have to pay out.
In learning more about a potential insured, the insurance company begins by asking questions on its application for coverage. Questions on the application for coverage will typically include asking for information about you, such as:
Name
Address
Phone Number
Gender
Date of Birth / Age
Place of Birth
U.S. Citizenship
Social Security Number
Driver’s License Number
Occupation / Duties
Name of Employer
Tobacco Use
Policy Owner Name (if different from proposed insured)
The life insurance application will also have questions regarding the type of coverage that is being applied for. For example, common questions can include asking for information on the amount of death benefit, as well as the length of coverage (if the policy being applied for is term insurance).
In addition, many life insurance policies will also include various riders that can be added at the time of application, such as a waiver of premium or an accidental death benefit rider. If this is the case, these riders will also be noted on the policy application.
There will also be a place on the application for coverage to list who will be the policy beneficiary. (Here, you can typically list who will be the primary beneficiary, or beneficiaries, as well as the contingent beneficiary or beneficiaries). In most cases, there will also be a question on the application asking the proposed insured to list all life insurance that is either currently in force or pending.
Ensuring an Applicant’s Health
With most types of life insurance, the application will also have a section that asks more detailed questions about your health, health history, such as do you have a history of cancer and are seeking life insurance, and other potential risk factors. Here, you will be asked a list of questions about various ailments, and whether or not you have had or been treated for them.
Answering Yes to these questions may preclude an applicant from getting the best rates or getting approved, there are other options today that are available. These come in the form of “graded benefit or guaranteed issue” life insurance.
With these alternate life insurance plans, the application contains only a few short health-related questions – and as the name implies, no medical exam. While the premium on these policies are usually more than for a comparable, medically-underwritten policy, they can provide you with coverage in a “last resort” situation.
What to Expect After You’ve Applied for Coverage
In most cases, life insurance policies that are traditionally underwritten will require you to take a medical exam in addition to your completing your paper application. This will consist of a licensed health care professional, meeting with you to discuss your and your family’s medical history, inquiring about any prescription medication that you take, as well as to perform certain other medical tests.
This will usually entail the following:
Taking your blood pressure
Listening to your heartbeat and pulse
Checking your height and weight
Obtaining a blood and urine sample
Discussing your habits such as smoking, exercise, foreign travel, and / or high risk hobbies such as sky diving or rock climbing
Depending on the amount of coverage you are applying for and / or your age, it is possible that you may also be required to do some additional testing such as getting an EKG, and your doctor’s records may be requested as well.
Once all of your information has been compiled, the insurance underwriters will be able to review everything and make a much more informed decision regarding your overall health condition. This will allow the underwriters to determine how much risk you present to the insurer should they take you on as a policy holder. It will also help them in determining the amount of premium to charge for your policy in order to compensate for that amount of risk.
Applying for the Coverage That You Need
If you think you are ready to go ahead and apply for life insurance coverage for you and your family, you will want to first be prepared for the questions that you’ll be asked on the application. You may also be able to help yourself obtain a lower life insurance premium rate by reducing any risky activities you may participate in, by exercising more regularly, and by taking part in a healthier overall lifestyle.
For more information on how to find the best life insurance option for you call us to speak with an insurance professional who has access to many insurers and can help you to find the policy and the premium that fits into your specific coverage and budget parameters. You can also compare rates right on this page using our instant quote tool.
referensi : bestlifequotes.com