Questions & Answers about Affordable Life Quotes
Q: If I Have Certain Medical Conditions Will My Life Insurance Policy be Denied?
Not always. Certain medical conditions are now treatable at a much lower cost thanks to advances in medicine and science. Hartford recently lowered their premiums for women with breast cancer and men who have surgeries for moderate levels of prostate cancer. Prudential has also planned to offer policies for individuals who have successfully been treated for heart disease.
Q: I'm Changing Jobs, Can I Still Keep My Current Coverage?
No. Unlike health insurance, the life insurance policy offered by any previous employers is not legally protected through COBRA. A life insurance company is not legally obligated to match any coverage or rates that you had with a previous employer.
Q: How Do I Qualify for the Lowest Possible Life Insurance Rates?
Ask your insurance company or broker if you're eligible for a "preferred plus" program. The restrictions on these special extra low rates are tight, and you will need to be exceptionally healthy with an excellent medical history. If you don't qualify for the preferred plus program, ask If you potentially qualify for the "preferred" status.
*Above rate is for one month of Preferred Non-Smoker Saver's Select Term 30/30 (ROP / 2001) Fidelity and Guaranty Life Insurance