Find Out Your Life Insurance Health Class Part One - Preferred Plus
Many quotes sites return quotes for applicants as if they were all in the Preferred Plus health class. They do this to present the lowest rates possible. However, the painful reality is that over 70% of the population is NOT in this class. I'll take you through a few things that will help you determine whether you belong here or NOT and how to still save even if you belong to a higher risk class...
1. You do NOT belong to the preferred plus class if you have any form of health impairments.
2. You do NOT belong if you have a personal history of diabetes or any cardiovascular disease.
3. Have you had any treatment for blood pressure? Have you had average readings of more than 140/85 in the past two years? If so, you do NOT qualify.
4. As part of the criteria, you must NOT have used tobacco in any form in the last 3 years.
5. If you've been involved in substance or alcohol abuse, you certainly won't qualify for this class.
6. You may qualify if none of your siblings or parents had a cardiovascular disease or cancer before they turn 60 years of age.
7. Your cholesterol level must be less than 240.
8. You make it less likely that you'll belong to this class if you engage in dangerous sports like sky-diving.
9. You may qualify if you've not had up to 3 moving violations in the past three years. But you can't qualify if you've been convicted of DUI in the last five years.
There are a few others. However, whatever you health classification may be you can still get better rates by doing thorough comparison shopping. The fact that one insurer thinks you do NOT belong to this class doesn't mean all others will think the same too. So get and compare quotes from a wide range of insurers.
Here are great pages for life insurance quotes...
InsureMe Life Insurance Quotes
Chimezirim Odimba writes on insurance.
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