Root Financial http://rootfin.com Term Life Insurance Brokerage Sun, 25 Jul 2010 00:08:06 +0000 en hourly 1 http://wordpress.org/?v=3.0 Rate Class http://rootfin.com/rate-class.html http://rootfin.com/rate-class.html#comments Sun, 25 Jul 2010 00:08:06 +0000 jroot http://rootfin.com/?p=202 Your rate class helps determine the cost of your life insurance premium.  Insurance companies will place you in one of several health classes, which include Preferred Plus, Preferred, Standard Plus and Standard.

Use the following chart to help find the health class you most likely belong to. Keep in mind, these are general guidelines and each life insurance company will look at you differently.

Medical History Health Class
  Preferred Plus Preferred Standard
Height & Weight Maximum height/weight
 Maximum height/weight
 Maximum height/weight
Tobacco Use No tobacco use in the past 5 years No tobacco use in the past 3 years (only for preferred non-smoker) No tobacco use in the last year (only for non-smoker)
Blood Pressure
(Upper Limits)		 140/90 without medication 140/90 with medication or 150/90 without medication 150/90 with medication or 155/95 if age 41-60 or 160/95 if age 61 or higher
Cholesterol
(Upper Limits)		 230 without medication and HDL ratio under 5.0 250 with or without medication and HDL ratio under 7.0 300 with or without medication and HDL ratio under 8.0
Family History No parents or siblings diagnosed with heart disease/cancer before age 60 No parents or siblings died of heart disease/cancer before age 60 Not applicable
Alcohol/Substance Abuse No history No history in the past 10 years No history in the past 7 years
Driving Record No more than 2 moving violations in the past 3 years and
No DUI/reckless driving in past 5 years		 No more than 2 moving violations in the past 2 years and
No DUI/reckless driving in past 5 years		 No more than 2 moving violations in the past 1 year and
No DUI/reckless driving in past 2 years
Foreign Travel Varies by company Varies by company Varies by company
Citizenship U.S. resident for past 3 years (or permanent visa/green card) U.S. resident for past 3 years (or permanent visa/green card) U.S. resident for past 3 years (or permanent visa/green card)

Step 2

Find out what type of policy may be available for the following health conditions.

Condition Health Class
  Preferred Plus Preferred Standard
Arthritis (Osteo) Not available Not available Available
Arthritis (Rheumatoid) Not available Available Available
Asthma (Allergy) Not available Available Available
Asthma (Steroid Meds) Not available Not available Available
Bronchitis (Chronic) Not available Available Available
Cancer (Basal Cell) Available Available Available
Cancer (Non-Basal Cell, After 5 Years) Not available Not available Available
Cardiovascular/Heart Disease Not available Not available Not available
Crohn’s Disease Not available Not available Available
Chronic Obstructive Pulmonary Disease Not available Not available Available
Depression (Ongoing) Not available Not available Available
Depression (Situational) Not available Available Available
Diabetes (Non-Insulin Dependent) Not available Not available Available
Diabetes (Insulin Dependent) Not available Not available Not available
Emphysema Not available Not available Available
Epilepsy Not available Not available Available
Hepatitis A or B Not available Available Available
Hepatitis C Not available Not available Not available
Kidney/Liver Disease (Chronic) Not available Not available Available
Multiple Sclerosis (Over 6 Years from Diagnosis) Not available Not available Available
Sleep Apnea Not available Not available Available
Stroke (Including TIA) Not available Not available Not available
Ulcerative Colitis/Ileitis Not available Not available Available
Vascular Disease Not available Not available Available
]]> http://rootfin.com/rate-class.html/feed 0 United Home Life Total Protection III Brochure http://rootfin.com/united-home-life-total-protection-iii-brochure.html http://rootfin.com/united-home-life-total-protection-iii-brochure.html#comments Mon, 28 Jun 2010 01:17:54 +0000 jroot http://rootfin.com/?p=137 United Home Life Total Protection III Whole Life Insurance
- No Medical Exam
-  Issue Ages 20-80
- 3 different policies cover the full spectrum of underwriting
- Level premiums
- Guaranteed Cash Values

Click Here to review the brochure:

United Home Life Total Protection III Whole Life Insurance

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