When you are seeking out a new life insurance policy, you will notice that you will be asked many questions. Each of the questions will be directly related to the quote that you receive. Due to this importance, you must be able to answer all the questions as accurately as possible. Doing some research so that you know what is going to be asked of you will help you immensely in the insurance quoting process.
The first set of questions will be related to your personal details. This includes your age, your date of birth, your identity number, your address, where you work and your work address. These questions are important for creating a file for you. The insurance company needs to know where to contact you and how old you are, as well as your gender, in order to be able to determine your policy.
Next up; the insurance company will ask you a series of medical related questions. These questions are an important part of the insurance quotes process, as these questions also help to develop your risk profile. Firstly, the insurance company will ask you about your medical history. They will want to know what illnesses you have had, whether you are suffering from any chronic diseases, and what operations you have had. Although tiresome, this is a very necessary part of obtaining insurance quotes. Answer all questions truthfully, including the lifestyle questions. Do not lie and say you do not smoke if you do, or that you exercise regularly when you do not. Remember that your lies can be exposed through an autopsy once you have passed away. This will then risk the payout to your beneficiaries.
The insurance companies will also need to know your family's medical history before they can give you accurate insurance quotes. They will ask you what sort of genetic illnesses run in your family, and if there has been anyone who has died from certain illnesses. You will just be asked about the actual illness itself and whether you know if anyone in your family has passed away as a result of it. This helps you a lot in narrowing things down. You should take the time to speak to your family members and find out about any genetic illnesses. If anyone in your deceased family has passed away, speak to your immediate family and find out what caused the deaths.
Yes, it is true that it can be tiring and daunting to answer all the questions necessary for the insurance quotes process, but it is an important process nonetheless! Always keep in mind that the accuracy of your answers determines the accuracy of the insurance quotes that you receive. If there is anything you are unsure of, you need to ask the insurance company for clarity. If you are not completely sure of the answers to certain questions, you need to ask the insurance company if you can have some time to get the correct answers.
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If you are looking for life insurance quotes visit http://www.hollardlifeinsurance.co.za .
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