In planning for your retirement, buying disability, health or long-term care insurance is important. The insurance company would usually want to know a lot about you. You will be classified based on your habits, medical records and family history.
You have to have an understanding of your own health. The biggest factor in determining the insurance cost is your health.
Here is some advice from insiders to get the best health ranking possible at lowest possible rates:
1. Tell the truth
Hiding some facts on your health will not help you. First, the insuring company will eventually find out because they do have your records. They will presume that the problem is serious, since you did not mention it. Worse, withholding info the company regards as important could lead to the cancellation of your policy.
Give the insurance company your complete health history. But do it under your own terms. For example, dont just say that you have high blood pressure. Inform them that you have been diagnosed with high blood pressure several years ago and have kept control of it.
Give them complete information and reduce the uncertainty, then eventually you...
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