A general underwriting criteria is available to review some of the factors that are considered when applying for coverage:
- There are many factors to consider with Term Life Insurance, price being one of them.
- Insurance Companies that sell Term Insurance are very particular when it comes to offering their best rate.
- Health conditions, lifestyle, and family history all are considered when offering a carrier’s “best rate”.
- Additionally, some proposals are based upon your age nearest versus, actual age. For instance if you are 50, many companies will quote you age 51 ( age nearest ) once it is more than 6 months from your birthday.
What this means is that you sometimes, even if you are in excellent health, a history of cancer or heart disease in your family, being a pilot, racing cars or motorcycles, and or engaging in activities such as scuba diving or parachuting can affect your rate.
Interested? Simply download and complete the questionnaire above and fax (817-569-8304) or email (Marketing@tdamemberinsure.com) it to us and we will provide you with a multi-company comparison from similarly rated financially strong companies for your review.