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Life insurance companies to consider, when it comes from the non-healthy healthy divided a very clear line. Younger people, the health on their side have the best rates life insurance, enjoy, while others, struggling to qualify for the next best premium class. Then is the 5 per cent of all applicants for insurance companies that think they can qualify for a higher class of a little misrepresentation of facts. Afraid to pay exorbitant prices for minor health concerns, may be a person in an application form go, but this is not a good idea for many reasons.

Their application for life insurance may be refused

Lying to your life insurance company is called material misrepresentation. This means that you have wrong facts, to the issuance of your insurance policy decisive are. Underwriters an insurance company, you will see the information in your application form filled out. Run also an independent medical examination, of your health by companies used medical officer. These include routine as a blood test can read urine test, blood pressure, liver test, an electrocardiogram (ECG) or other medical test crucial for their underwriting process are considered. You also consult with your doctor and have access to your medical records and recipes. Check whether it is information on the application form correctly. If they refuse coverage to reason to believe that you are wrong information, they can.

The false information is on the permanent record

Once you've found, are or distort facts about your insurance application, will go this information on your records. Access to these data sets have other insurance companies. It will be difficult, if the records show that you have wrong information, get any kind of insurance for you, not for any other insurance company. This can apply to all type of insurance, not only life insurance. If you lie on your application, you are on the stake, not to mention your chances to protect life insurance coverage to your family, put your integrity.

Benefits may receive their family not death

If they catch your misrepresentation of facts during the underwriting process, and you die to a medical condition did know that they already suspect you of if insurance, apply for your life insurance company of your medical data is check. Once they've found that you actually get wrong, the facts to qualify for the purpose of better insurance rates for life insurance and then they pay benefits from death for your recipients.

Life insurance amounted to a serious crime

An insurance company have a policy under certain conditions. If these conditions are met, the insurance company will be his honor contract. Life insurance companies have anti-fraud systems detect fraud, which means that it is very likely that a lie application easily can be identified on your insurance. If a life insurance company can demonstrate that you have not met these provisions, it your family can deny coverage. The insurance company may file a charge against you for attempted insurance fraud according to the terms and conditions of the policy.

Honesty brings peace of mind

Before you think it's okay, you are lie think about what to do very carefully. Is it really a value? A little lie could cause endless fear, not to know whether your lie will be discovered after death, and your family denied coverage. They never have the security and peace of mind, which kommt-of honesty, this gives you the certainty that your family death benefits to a time when your love it is paid by need for they come.

Better ways to reduce your premiums than!

If you can get a class better premium rate, can you to consider reducing the collection. Reduce your reporting so that your premium payments are affordable. It may be your requirements for the insurance not fully cover, but something is better than nothing. You can evaluate your insurance requirements at a later stage in life and your reporting accordingly increase.

For the insurance, have to shopped? Just because you refused a life insurance company coverage does not mean that the same will do all. Life insurance is competitive companies. There are some insurance companies, which have fallen for people with certain health conditions more than others. They assess your health risks in more detail, and if you are otherwise healthy, they can give you more affordable rates. If you simply want to find all these companies, you need to do is an online questionnaire on a life insurance policy aggregate site such as AccuQuote.com fill. You have hundreds of insurance companies on their database. Within minutes you can obtain the best insurance quotes for your specific situation. You can bonuses, company reviews, and the terms and conditions of the individual directives compare. When do you need personal guidance, you can speak their customer service with a professional consultant who unbiased recommendations will give you call.

If you really want to have life insurance for you, the life insurance application be honest.