Information Needed to Obtain Accurate Life Insurance Quotes
For life insurance there are certain known histories of an individual that need to be given to an agent so they are able to place you into the correct health classification for an accurate quote. Without this information quotes become meaningless or even worse, you may be applying to a company that does not look favorably to your profile or medical history.
For an accurate quote some basic information must be gathered by the agent to create a medical and behavioral profile that will be evaluated by most or all competitively priced A-Rated Life Insurance Companies.
Medical Profile
1. Date of Birth
2. Height, & Weight
3. Have you ever smoked cigarettes or used any type of nicotine products? If so, how many cigarettes a day or cigars a month? How many years have you quit?
4. Have you ever been diagnosed with High Blood Pressure or Cholesterol? If so, what are the current readings and how long has your condition been controlled?
5. Are you currently taking any other prescriptions? If so, name of medication and condition being treated.
6. Any past conditions for which you have been treated?
7. Prior to age 70: Has any Parent or Sibling Died as a result of one or more of the following conditions? Cardiovascular disease (Heart attack) or Stroke, Diabetes, Cancer, or Kidney disease? If so, what was their age when diagnosed and what was their age at time of death? Type of Heart disease and type of Cancer?
8. Has any Parent or Sibling prior to age 70, been diagnosed with one or more of the following conditions? Cardiovascular disease (Heart attack) or Stroke, Diabetes, Cancer, or Kidney disease? If so, what was their age when diagnosed and type of Heart disease or Cancer
Behavioral Profile
1. Driving Record: In the past five years, how many tickets will show up on MVR? Any license suspensions in last 7 years?
2. Foreign Travel – What countries have you traveled to in the last two years? Duration of stay? Business or personal?
3. Participate in any hazardous recreational activities or sports? Skydiving, Scuba Diving, Motor Cross, Auto Racing, any type of extreme sports.
The more accurate the information provided up front the more accurate your quote will be. Sophisticated underwriting software used by FreeLifeTermQuote Insurance Services www.freelifetermquote.com will scan over a hundred A-Rated companies to determine who has the competitive priced quote for your unique profile.
For an accurate quote some basic information must be gathered by the agent to create a medical and behavioral profile that will be evaluated by most or all competitively priced A-Rated Life Insurance Companies.
Medical Profile
1. Date of Birth
2. Height, & Weight
3. Have you ever smoked cigarettes or used any type of nicotine products? If so, how many cigarettes a day or cigars a month? How many years have you quit?
4. Have you ever been diagnosed with High Blood Pressure or Cholesterol? If so, what are the current readings and how long has your condition been controlled?
5. Are you currently taking any other prescriptions? If so, name of medication and condition being treated.
6. Any past conditions for which you have been treated?
7. Prior to age 70: Has any Parent or Sibling Died as a result of one or more of the following conditions? Cardiovascular disease (Heart attack) or Stroke, Diabetes, Cancer, or Kidney disease? If so, what was their age when diagnosed and what was their age at time of death? Type of Heart disease and type of Cancer?
8. Has any Parent or Sibling prior to age 70, been diagnosed with one or more of the following conditions? Cardiovascular disease (Heart attack) or Stroke, Diabetes, Cancer, or Kidney disease? If so, what was their age when diagnosed and type of Heart disease or Cancer
Behavioral Profile
1. Driving Record: In the past five years, how many tickets will show up on MVR? Any license suspensions in last 7 years?
2. Foreign Travel – What countries have you traveled to in the last two years? Duration of stay? Business or personal?
3. Participate in any hazardous recreational activities or sports? Skydiving, Scuba Diving, Motor Cross, Auto Racing, any type of extreme sports.
The more accurate the information provided up front the more accurate your quote will be. Sophisticated underwriting software used by FreeLifeTermQuote Insurance Services www.freelifetermquote.com will scan over a hundred A-Rated companies to determine who has the competitive priced quote for your unique profile.
