News Release
2006-08-17
Buying life insurance after a heart attack. Heart attacks raise a red flag for life insurance companies. Yet, that doesn't necessarily mean you'll be denied a policy or pay sky-high premiums if you answer "yes" when asked about heart disease on your life insurance application.
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Instant disability insurance quote
Ahead of getting an online instant disability insurance quote, here are some terms that you might want to make known yourself with. Knowing the vernacular can go a long way towards helping you acquire the instant disability insurance quote that is right for you.
The reason that it is important for you to know some of these terms before you access an online instant disability insurance quote for disability insurance is so that you do not confuse yourself or the insurance agent or broker that you are dealing with.
Here is some of the most common terminology use when opting for online instant disability insurance quotes:
Beneficiary - If you take out disability insurance the beneficiary or beneficiaries are those named in the contract that you have with the company. In some instance it is not just the injured party who is eligible for benefits but also a spouse or children who may be affected by a person's inability to work anymore.
Credit Inquiry - To decide whether or not you are a high-risk client many insurance companies now look at your credit report. When they do this they make a credit inquiry on your credit report. Each inquiry made by each separate company lowers your credit score so it is somewhat crucial not to make too many inquiries at once. Insurance companies see bankruptcy and debt as often being the result of high medical bills or other problems in the past and will up your instant disability insurance quote premiums.
Disability benefit - A disability benefit is an amount paid out by an insurer to an individual who has taken out instant disability insurance quote coverage.
Disability insurance - Disability Insurance guarantees you benefits in the event that you suffer from injury or illness and are unable to work. Depending on what country you live this type of insurance might be implemented with other types of workers compensation.
Disability insurance quote - This is a instant disability insurance quote that you get from an insurance agency before you decide what type of insurance that you want to buy.
Premium - The instant disability insurance quote premium is the amount that you pay each month to keep your disability insurance policy active.
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