When you apply for life insurance, part of the process is an “承销” review. 在承销, the insurance company considers your eligibility for coverage and assesses its risk of issuing you a policy. Some life insurance policies require “完整的 医疗保险,” while others feature “简化 承销.” 简化的承销 has become increasingly popular, because it may shorten the application process considerably. This can help give more people quicker and easier access to the peace of mind and financial protections that life insurance can help provide. 但要充分认识到这些好处, it’s important to first understand the basics of 医疗保险.
Medical 承销 is the insurance term for the process of reviewing your health and medical history. It helps determine your eligibility for a particular life insurance policy, 你将会被收取保险费. The extent of medical questioning varies widely across the spectrum of life insurance policies.
Some policies require in-depth health questionnaires and physical exams, including lab work. Such a thorough process can take up to a month or more, but it can also give the insurance company more confidence in writing you a policy for a higher face value or a lower premium. 这是 完整的 医疗保险.
其他政策, 通常提供更有限的覆盖范围, 可能被称为“没有考试的人生保险?,因为他们不需要体检, 只是健康信息. 有些甚至不需要验血. 这是 简化 承销.
The main benefit of 简化 承销 is its efficiency. Whether you are a first time buyer or looking to supplement your current coverage, a life insurance policy with 简化 承销 may be the most convenient way to help protect your family’s future:
It can offer you quick and easy access to the coverage you may need.
You’ll have no medical appointments to arrange.
You may have a shorter waiting period for approval.
These kinds of benefits may factor into your decision in choosing a policy; or perhaps they’ll even make the crucial difference for you, in deciding whether to purchase life insurance at all.
Is it easy to find this type of life insurance?
Knowing busy adults of all ages may be drawn to life insurance with 简化 承销, many insurance companies offer policies in this category. And finding one can be as easy as going online. Try typing “life insurance no medical” into any internet search engine, 你会发现有几个选择可以考虑. Many insurance companies offer free information and life insurance quotes on their websites. Some will even allow you to complete your application online in a few minutes.
But how do I choose the right insurance company?
With something as important to your family’s future as life insurance, you’ll want to choose a reputable insurance company that will be there when your family needs it most. 考虑一家拥有 最佳财务实力评级 随着时间的推移. It should be financially secure enough to pay your claim. Also consider its reputation for customer relations. A demonstrated track record in customer loyalty is important. Remember, your life insurance policy is only as good as the company that backs it.
This article is provided by 纽约 亚博真人官方版APP下载 Company for informational purposes only. This article is not intended to provide tax, legal, financial, or accounting advice. Please consult your own professional for advice specific to your circumstances.