What factors will affect the health rating I receive for my life insurance policy?

Your rating will be determined by many factors. Your height and weight, tobacco use, cholesterol level, health conditions, and lifestyle, as well as family health history will contribute to your health rating.

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How does long term care insurance provide benefits?

Policies pay for qualified long term care cost based on the contract. The basis can be cost-Incurred Benefit/Reimbursement Plan or Indemnity Benefit or Cash Benefit

A...

What features should I look for in my long term care insurance policy?

The daily or monthly benefit that the policy would pay for long term care expenses vs the amount you would pay out-of-pocket. The elimination period (or deductible...

What is a health insurance deductible?

The amount of money paid out-of-pocket before an insurance carrier begins to pay for your medical expenses. For example, with a $200 deductible, and a $450 health care bill, the insured would...

How many employees are needed for a group long term care insurance program?

Each insurance company has different requirements for employer paid and voluntary groups. Some have a fixed number of applications required and others it is a percentage of employees. For more...

Who needs life insurance?

For life insurance, your level of need will depend on your responsibilities and your age. If you have people who depend on your income you need life insurance. The benefit can help your...

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Maryland's premier Long-Term Care insurance agency

What factors will affect the health rating I receive for my life insurance policy?

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What factors will affect the health rating I receive for my life insurance policy?