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Health Web Quote Insurance Services

Travel Insurance

US Citizens Traveling Abroad

Foreign Visitors to the United States

Term Life Insurance

What determines the rates on a life insurance policy?

Age is the first criteria in deciding rates. Next is gender and if the applicant is a tobacco user. Health history and lab results also determine how much a policy will cost and if someone is eligible for life insurance.

The most common rate up or decline reasons are high blood pressure, high cholesterol, high blood sugar, obesity, or serious illness such as heart disease or cancer.

Most companies have 6 to 8 rates to offer depending on health evaluation. A (1) rate is the lowest and a (8) rate is the highest. A perfectly healthy young applicant may get the absolute lowest rate (1) for their age and an older person with a health history may get the preferred rate but a (3) or (4) category meaning a rate up.

How long does it take to have a life policy put in force?

The processing time depends on the amount of coverage and the age of the applicant. Younger age people purchasing amounts below $150,000 can get approved right away if their health history is good. Older people will be required to have a nurse exam in their home or office. This involves a blood and urine sample, height and weight measurement, health questionnaire, blood pressure reading, and for higher dollar amounts a resting EKG. For life policies of higher dollar amounts and older age groups doctors records are reviewed during the underwriting process.

Medicare Supplements

Learn more about your Medicare benefits and your Medicare Supplement plan options. Our plans can help you get more from your health care dollar.

Health Insurance

Affordable health insurance quotes. Health savings accounts and qualified plans.

Temporary Health Insurance

Temporary health plans offer protection while you await a policy approval or benefits to begin at a new job.

Health Web Quote Insurance Services formerly Angelich Insurance Agency was formed in 1987. We specialize in health insurance products including individual and group health, Medicare supplements, life insurance, foreign travel medical, health savings accounts, and temporary medical plans. Our online services started in 1999 and we now offer coverage in many states. Our commitment is to offer quality service for all our customers and to offer the most affordable and dependable insurance companies products available.

Since 1987 Health Web Quote Insurance Services has been helping people find the coverage they need. With almost thirty years of experience in selling Medicare Supplements, Life Insurance, and Health Insurance we are pleased to offer our services. We are licensed in many states and have affiliation with companies licensed in other states. From our site you can get quotes, apply for coverage, and get vital information on all our products. Contact us toll free at 800-606-4678 or email us and we will gladly service your needs as best we can. We look forward to hearing from you.