It is important to have a good life insurance consultant when you apply for life insurance. The consultant needs to have the knowledge and understanding of where to send your application if you have health limitations. For example, if you have type 2 diabetes, what companies will approve you with that issue and underwrite that the most liberally?
Often times it makes sense to put in a preliminary request with some providers to get there take before officially going into the underwriting process. The last thing that you want is to be declined by a provider. Once you are declined you have to include that on other applications for other providers. Also, if you receive a better rating with one company it can save you a substantial amount of money on premium costs.
If you have serious health issues you will be paying more for life insurance than a totally healthy person, but there is a good chance you can still get it. Make sure you speak to your life insurance agent about this issue as this can be very important for your pocketbook.
How will a Paramount Life Insurance Consulant work for you?
- It is very important that we ask all of the pertinent questions? We can simply break this down into three parts:
1. Your current situation is different from your friends and family
2. What are your goals? (Secure retirement) Build Income TAX FREE.
3. The more your consultant (agent) knows, the better your outcome will be.
Get you know your Life Insurance consultant. Be sure you mesh with your financial advisors. This will insure that you have a great outcome for all of your insurance needs. Start planning your future today. ING is offering great rates on 20 year Term Life Insurance here: http://www.ing-usa.com/us/index.htm.
