Is a crime or offense affect your life insurance?
Let's face it. Nobody likes to reveal the skeletons in their closet. But when applying for life insurance, it is important to meet all health and lifestyle honestly needed to obtain an accurate quote. But I bet you wonder why they ask questions about crimes? The answer is simple. life insurance policyholders want to know that you are not a violate person. violent people tend to have a higher mortality rate compared to non-violent people. Therefore, there is a risk of being violent, similar to how insurers classify skydivers and bungee jumpers as risky applicants. When your life insurance agent asking this question, it is important to tell the whole story at that time.
Too often, we have to make follow-up calls because the information was not given accurately or completely. But if you give the correct information during the initial phone conversation with your agent, you may still be eligible for coverage of life insurance, even if you have been convicted of a felony or misdemeanor. You will have to answer the following questions:
- Was there time in prison
- How long? And there how long?
- Was there a probation or parole?
- How long? And there how long?
- When it is completed probation?
Keep in mind that the guidelines subscription vary among the best term life insurance companies, but the key is be honest . No matter what your circumstances, insurers will give your case a fair assessment.
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