重量如何影響人壽保險？
重量如何影響人壽保險？
 Being overweight affects life insurance differently, depending on what type of policy you are getting. If you are getting a No Exam policy that gives you a set rate just for qualifying, then your weight will not make a difference, just as long as you do not weigh over the maximum amount. Some policies have no weight limit at all. If you are applying for a policy that does require medical underwriting, fluctuations of just a few pounds can cause your rate to go up. If you start out just slightly overweight, this increase may not make a lot of difference, or you may even find one company that will rate you much lower than the rest. But if you are quite overweight, the price increase can be large, or you can even be declined. Weight is one of those areas where it really helps to shop around. Not only do different companies have different weight charts, but sometimes going with a No Exam policy can beat the price of one requiring an exam, when the applicant is overweight or obese. Using an agency that specializes in overweight life insurance can certainly help save time, money and frustration.
問答
保險問答 多語言問答