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skip to content main menu contact privacy policy high-risk candidates for life insurance high-risk plans / by jack all of the insurance companies have different criteria on which an individual is expected to stand before availing the long-term insurance schemes. the insurance company considers these criteria for determining the total amount that should be paid by the buyer in premiums. the term “high-risk candidates” stands for those people who have very less life expectancy. in other words, the high-risk candidates are those people who have an increased probability of death or disability due to different aspects of their lifestyle or health. although there are a lot of factors that decide whether a candidate is normal or a high-risk candidate but some common factors include pre-existing medical conditions of the candidate like heart disease, hiv , sports or any other occupation that are dangerous for the candidate and lifestyle habits of the candidate such as smoking or drinking alcohol. listed below are some of the important factors that pull the candidate at high risk regarding life insurance: candidates occupation and risks related to it occupations are determined based on the nature of the work and the level of risks related to it. according to the insurance companies, if a candidate is included in activities like construction, mining, fishing, agriculture, engineering, etc. then they will be called as having a high risk of death or accident and hence it results in a higher premium. although these rules are not applied on all of the candidates working in these sectors. the candidates who are at the higher post such as an administrator, manager, officer are said to have a low risk and they can ask their providers to review their premiums based on the reduced level of risk. bad and unhealthy lifestyle daily lifestyle also plays a vital role in governing whether a candidate is at high risk or completely risk-free. smoking, heavy drinking or drug use can all be considered high by the insurance companies. any lifestyle factors that come with an increased medical cost or a raised chance of disability or death can result in paying higher premiums. there are many ways of finding whether a candidate is having a healthy or bad lifestyle such as by medical testing, blood tests, body mass index(bmi) calculators, etc. the health and age of the candidate for finding the average health of a candidate the insurance company checks whether the candidate has any pre-existing medical conditions or not. apart from this factor, the company also checks whether the candidate is undergoing any treatment or not. in case of any pre-existing medical record of the candidate, he or she must have to complete medical check-up for being eligible to apply. age plays a big in getting an affordable policy. the older you are the costlier the policy will be. however, it is possible to get life insurance for seniors over 70 at lower cost if you can find the right provider. candidates involvement in different risky activities the candidate may have different hobbies that are a little bit risky such as mountain biking, skydiving, river rafting, bungee jumping, etc. these high-risk hobbies are, in fact, distinct risk factors and many policies will flat-out discard specific pastimes. although by providing an extra amount one may find a provider to do some arrangements for the candidate & it is very expensive. how to find affordable life insurance for senior citizens? high-risk plans / by jack as we know that it is very useful for senior citizens to avail the long-term life insurance for the purpose of life insurance is to help protect the loved ones in the event when the candidate faces death. but it is also very important to buy an insurance which is easily affordable to the candidate. however, we always recommended to buy life insurance in an early stage of life, read it . so, listed below are few ways by following which one can easily find an affordable life insurance for senior citizens: staying away from overbuying it is not appropriate to buy as much of the life insurance in the old age as one can buy it during an early period of their ages. as the old age people have less financial obligations, they need less insurance. the kids are hopefully out of the scenario. maybe the retirement investments have increased. the house might be paid off. if any of these conditions describes someone, then it is very much suitable for them not to buy too much of the life insurance. trying for a term life insurance a term life insurance is something which is brought to cover a certain amount of time. these life insurance are generally ranging from 5 to 30 years. this type of insurance gives the best coverages at the cheapest price. it is easily affordable since the premium is typically lower comparing other insurance policies. but the problem related to this type of insurance is that the policy term of the candidate will not hold any cash value if it is not used by the end of the policy term of the candidate. although it is very much beneficial for the senior citizens because it is an easily convertible allowing the insurer to change the type of policy from one type to another according to the need of the candidate. survivorship policy for senior couples it is one of the best insurance policies for the senior couples. like the term policy, it has also got a very lower premium amount. the way it works is that both individuals are covered under one permanent insurance plan. the death benefits are only paid upon the death of both insured. if you need any help to find this policy, contact us . guaranteed acceptance life insurance this type of insurance is best for those people having a weak condition of the health. as we know that in the old age time the body becomes weak and more susceptible to the diseases, it becomes very difficult for the senior candidates to pass the tests conducted by the insurance companies. the main advantage to the senior citizens is that if they will try for this type of insurance, they will surely get accepted no matter if their health condition is good or bad. it is also very good for those candidates who are interested in having a small amount of death benefits coverage . 7 reasons to buy life insurance early early life insurance / by jack the word life insurance refers to a kind of monetary cover for any unpredictable happenings linked with human life. these happenings can be related to death, disability, and accidents which do not give any warning to the individual before its occurring. as we know that the human life is subject to risks of death and disability due to natural and man-made or accidental causes. when a person suffers from any of these risks, there is a loss of income to the household which becomes difficult to handle most of the times. although a human life is priceless, a financial sum could be defined based on the loss of income in future years. these are what make the life insurance very important and necessary to ensure a risk-free household income for the long run. but, unfortunately, this life insurance can get extremely costly most of the times. and the best way to overcome this problem is to buy it early. listed below are the 7 best reasons which make it very important to buy life insurance early 1.cost-effectiveness: if someone buys life insurance at an early age, it will result in them to pay less amount as the body is not an easy target of the risks such as diabetes and cancer at the early age. in most of the cases, the serious body disorders arrive when an individual is old since aging results the body to become more susceptible to diseases. it is quite expensive to get life insurance for elderly. 2.providing support to the dependents: people tend to have more responsibilities at their early age while comparing it with the time when they are old. at the early period of their age, they get a family with newborn kids. and, taking care of kid
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SERVERS
SERVER ma.whois-servers.net
ARGS assurancemaladie.ma
PORT 43
TYPE domain
RegrInfo
DOMAIN
NAME assurancemaladie.ma
NSERVER
NS3.WANAMAROC.COM 105.73.3.68
LOUKOS2.WANACORP.COM 41.137.33.20
NS2.WANAMAROC.COM 105.73.3.67
REGISTERED yes
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