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Health-Life Web Quote Services

Age is the first criteria in deciding Rates. Next is Gender and if applicant uses tobacco. Health history and lab results also determine how much a policy will cost and if eligible for coverage.

The most common Rate Up increase or declined 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 an 8. rate is the highest. A perfect healthy young applicant may see the absolute lowest rate (1) for their age and an older person with a good health history may obtain the preferred rate, but a 3. or 4. category, meaning a Rate Up.

The processing time depends on the amount of coverage and the age of the applicant. Younger age people purchasing amounts below $150,000 may 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 high dollar amounts, a resting EKG. - For life policies of higher dollar amounts with older age groups, doctors records are reviewed during the underwriting process.