What factors will affect the health rating I receive for my life insurance policy?

Your rating will be determined by many factors. Your height and weight, tobacco use, cholesterol level, health conditions, and lifestyle, as well as family health history will contribute to your health rating.

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Can I qualify for long term care insurance if I have some health issues?

Perfect health is not required. If your health conditions are controlled, no current physical therapy or procedures recommended not performed you may health qualify.

Can my Medigap policy be cancelled if my health changes?

No. Your Medigap policy is guaranteed renewable. As long as you pay your policy premiums on time, it cannot be cancelled by the insurance company.

Can my spouse and I purchase a Medigap policy together?

No. Each Medigap policy covers only one person. If you and your spouse would both like Medigap insurance, you will have to purchase two separate policies.

Will my Medigap policy cover prescriptions?

No, Medigap policies no longer offer prescription drug coverage. Medicare Part D covers prescription drugs.

How many employees are needed for a group long term care insurance program?

Each insurance company has different requirements for employer paid and voluntary groups. Some have a fixed number of applications required and others it is a percentage of employees. For more...

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What factors will affect the health rating I receive for my life insurance policy?

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What factors will affect the health rating I receive for my life insurance policy?