who'd have difficulty getting insured at standard rates û people with heart or circulatory problems, former cancer suffers and diabetics for example. How the picture has now changed. Application forms are much more detailed and medical problems that were previously acceptable are now only acceptable with a higher premium. Take weight for example û these days insurers clamp down when they judge an applicant's weight to be a risk to their longer-term health. And it's not just the obviously obese that attract the insurer's notice. Companies are now using the Body Mass Index to identify weight problems. This is your weight divided by the square of your height. Most life companies now want a BMI of no more than 29, whereas previously up to 40 was acceptable. This means that a woman weighing 83 kilos and 1.66 meter tall will now face a higher premium. The application process can also be put some people off. Whilst about 30% of people will receive an immediate decision, for others the process can become one delay after another. As if a 14-page application were not enough, some people are being asked to complete more forms in addition to medical examinations. The whole process can take up to 9 weeks, sometimes even more, before the applicant finds out precisely how much their premium will be. If that premium works out more that they can afford, the applicant is often too tired of the whole process to start applying again to a new insurance company. The result is yet another family without life insurance. Despite these problems, the life companies say that thanks to more sophisticated underwriting procedures, prices are lower today that they were a few years ago. The arrival of the Internet has also had a profound affect on prices. Around 10% of life insurance is bought online and discounting has become the norm. This too has helped more families to become insured. However, in the author's view it will take more than a decade to get people covered by life insurance above the 50% level. Title: Life Insurance & Why ItÆs Important For Your Family Word Count: 419 Summary: ItÆs sad to think about, but life insurance is something that everyone needs to consider. In the event of an unfortunate loss, an individual often wants to have the peace of mind in knowing that his/her family will be financially secure. Life insurance can be obtained in a number of ways, including from a national insurance provider, various credit cards and/or certain employers. Depending on the amount
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Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Jenny Lopez Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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