コロナウイルスは、私たちが知っていたように完全に終わらせたわけではありませんが、確かに変化を引き起こしており、その一部は非常に長い間私たちと一緒にいる可能性があります。
一部の人にとって、コロナウイルスは文字通り生と死の問題であり、重要な問題を提起します。コロナウイルスは生命保険にどのように影響しますか？
自分の命を失う可能性や、このウイルスによって愛する人の命を失う可能性について考えるのは好きではありませんが、ここ米国の15万を超える家族にとって、それは現実であることが判明しています。
それが既存の保険に与える影響、そしておそらくもっと重要なことに、それが新しい生命保険の申請にどのように影響するかを調べてみましょう。
すでに生命保険に加入している場合は、朗報です。一般的に、コロナウイルスで死亡した場合でも、保険会社は死亡保険金を支払います。いくつかの例外を除いて、生命保険契約は、保険契約が発効すると、あらゆる死因に対して支払いを行います。戦争やテロ行為など、この規則にはほとんど例外がありません。パンデミックは既知の例外ではありません。
コロナウイルスが既存の生命保険契約にどのように影響するかについてまったく不快に感じている場合は、会社に連絡して説明を求めてください。または、除外事項に特に注意して生命保険契約を確認してください。パンデミックによる死のように見えるものが何もない場合は、行ってもいいはずです。
ただし、ポリシーが適用されると、保険会社が請求を拒否できる理由はわずかです。
コロナウイルスに関しては、適用前にウイルスの検査で陽性であり、開示しなかった場合を除き、これらはいずれも重大な要因ではありません。しかし、コロナウイルスは突然攻撃する可能性があるため、ポリシーがすでに施行された後に発生した場合でも、死亡給付を妨げることはありません。
これは私の推測ですが、過去のいつでも生命保険を購入することを考えている人が多いのではないかと思います。コロナウイルスは生命と健康の両方にとって真の脅威であることが判明しているため、最悪の事態を考えるのは自然なことです。
しかし、何をするにしても、未知への恐れが報道の申請を妨げないようにしてください。ポリシーを購入したり、追加の補償を受けたりしたいと思うかもしれませんが、ウイルスがヒットする前に、今が適用するのに最適な時期です。 それは売り込みではありません！
世界で何が起こっていても、生命保険に申し込むのに最適な時期は常に今です。それは、あなたが今、二度と若く、おそらく健康であるからです。生命保険を購入する場合、両方の条件が大きな利点です。申し込みを遅らせた場合は、少し年をとったときに後で申し込みを行うことで、より高い保険料を支払うことになります。しかし、あなたが今からそれまでに深刻な健康状態を発症した場合、あなたの保険料は高くなるだけでなく、あなたは完全に補償を拒否されるかもしれません。
コロナウイルスへの恐れを邪魔しないでください。生命保険またはそれ以上が必要だと思われる場合は、今すぐ申請してください。
お金による広告。このad.Adをクリックすると、報酬が支払われる場合があります。
生命保険に加入すれば、家族の面倒を見ることができます。万が一、大切な人の健康のために、大切な人に金銭的な巣を残しておくことをお勧めします。詳細については、州をクリックしてください。 はじめに That said, the impact of the coronavirus on new applications for life insurance is more significant than it is for existing policies.
The deaths of more than 100,000 people in the US is naturally having an effect on claims being paid by life insurance companies. While there’s been no significant across-the-board change in how most life insurance companies evaluate new applications, the situation is evolving rapidly. Exactly how that will play out going forward is anyone’s guess at the moment.
If you’re under 60 and in good or excellent health, and not currently showing signs of the virus, the likelihood of being approved for life insurance is as good as it’s ever been. You can make an application, and not concern yourself with the virus.
That said, it may be more difficult to get life insurance if you have any conditions determined to put you at risk for the coronavirus, as determined by the Centers for Disease Control (CDC).
これらには以下が含まれます：
Now to be fair, each of the above conditions would require special consideration even apart from the coronavirus. But since they’re known coronavirus risk factors, the impact of each has become more important in the life insurance application process.
If any of these conditions apply to you, the best strategy is to work with insurance companies that already specialize in those categories.
There are insurance companies that take a more favorable view of people with any of the following conditions:
But even with insurance companies that specialize in providing coverage for people with certain health conditions, some have introduced new restrictions in light of the coronavirus.
For example, if you have a significant health condition and you’re over 65, you may find fewer companies willing to provide coverage.
The insurance company may also check your records for previous coronavirus episodes or exposures. Expect additional testing to determine if you’re currently infected. Most likely, the application process will be delayed until the condition clears, unless it has resulted in long-term complications.
Travel is another factor being closely examined. The CDC maintains an updated list of travel recommendations by country. If you’ve recently traveled to a high-risk country, or you plan to do so in the near future, you may be considered at higher risk for the coronavirus. How each insurance company handles this situation will vary. But your application may be delayed until you’ve completed a recommended quarantine period.
Since the coronavirus is still very much active in the US and around the world, financial considerations are in a constant state of flux. If you’re concerned at all about the impact of the virus on other insurance types, you should contact your providers for more information.
Other insurance policies that my warrant special consideration are:
Many have been gripped by fear in the face of the coronavirus, which is mostly a fear of the unknown. But the best way to overcome fear is through positive action.
I recommend the following:
Since there is a connection between poor health and the virus, commit to improving your health. Maintain a proper diet, get regular exercise, and follow the CDC coronavirus guidelines on how to protect yourself.
Don’t wait for a bout with the virus to take this step. It’s important for a number of reasons and the consequences of not having it can be severe. Compare the best life insurance companies to get started.
If you don’t have the virus, and you want to do a policy as quickly as possible, no medical exam life insurance will be a way to get coverage almost immediately.
Low cost means you can buy a larger policy. With the uncertainty caused by the coronavirus, having enough life insurance is almost as important as having a policy at all. Look into cheap term life insurance to learn more about what you can afford.
Did you know that your credit score is a factor in setting the premium on your life insurance policy? If so, you have one more reason to maintain a healthy credit score. One of the best ways to do it is by regularly monitoring your credit and credit score. There are plenty of services available to help you monitor your credit.
This action step rates a special discussion. When times get tough, and money is in short supply, people often cancel or reduce their insurance coverage. That includes life insurance. But that can be a major mistake in the middle of a pandemic. The coronavirus means that maintaining your current life insurance policies must be a high priority.
The virus and the uncertainty it’s generating in the economy and the job market are making finances less stable than they’ve been in years. You’ll need to be intentional about maintaining financial buffers.
If you don’t already have one place, start building one today. If you already have one up and running, make a plan to increase it regularly.
You should also do what you can to maximize the interest you’re earning on your emergency fund. You should park your fund in a high-interest savings account, some of which are paying interest that’s more than 20 times the national bank average.
In another direction, be purposeful about paying down your debt. Lower debt levels translate into lower monthly payments, and that improves your cash flow.
If you don’t have the funds to pay down your debts, there are ways you can make them more manageable.
For example, if you have high-interest credit card debt, there are balance transfer credit cards that provide a 0% introductory APR for up to 21 months. By eliminating the interest for that length of time, you’ll be able to dedicate more of each payment toward principal reduction.
Still another strategy for lowering your debts is to do a debt consolidation using a low interest personal loan. Personal loans are unsecured loans that have a fixed interest rate and monthly payment, as well as a specific loan term. You can consolidate several loans and credit cards into a single personal loan for up to $40,000, with interest rates starting as low as 5.99%.
We’ve covered a lot of ground in this article. But that’s because the coronavirus comes close to being an all-encompassing crisis. It’s been said the coronavirus is both a health crisis and an economic crisis at the same time. It requires strategies on multiple fronts, including protecting your health, your finances, and your family’s finances when you’re no longer around to provide for them.
That’s where life insurance comes into the picture. The basic process hasn’t changed much from the coronavirus, at least not up to this point. But that’s why it’s so important to apply for coverage now, before major changes are put into effect.
