Reader question:

What does my life insurance company mean when they ask for my build when I am looking for the cheapest online life insurance in Oklahoma?

Jessica

Great question, Jessica.

Well, your build is important in your search for cheapest online life insurance in Oklahoma because it has to do with how much you weigh and whether that contributes badly to your health or not. Your build isn’t exactly your weight–it’s more like how to determine if you are overweight when looking at both how much you weigh and how tall you are.

The more uneven this ratio is, the more trouble you’re going to have finding the cheapest online life insurance in Oklahoma. If you are overweight according to your build, then you become an increased risk because, as you age, you have a higher probability of getting all kinds of health problems, from diabetes to high cholesterol, from heart attacks to kidney disease.

Of course, you’re not just in trouble if you’re overweight, but you can find some difficulty getting cheap insurance if you are underweight as well. This indicates all kinds of problems, from mobility problems, to possibilities of anorexia, and so on.

take care,

Fashun

Reader question:

Just how much can my private information affect my life insurance rate quotes in Tulsa Oklahoma?

Greg

Thanks for asking, Greg.

Your medical information is everywhere, and so it’s very hard to keep it completely private, simply because of the vast amount of people that will necessarily see it, from doctors, to nurses, to receptionists, and so on. If you have your life insurance in a group policy, then in some cases the co worker who deals with the insurance for the company may even be able to learn personal information from your medical history. In many cases, life insurace companies’ search for medical information is not very well regulated, and even when there are laws prohibiting the use of certain information, the company can still ask your doctor for it, and in most cases the doctor will give it up, with no intervention from the Oklahoma Department of Insurance.

One of the weirdest pieces of private information that can affect your life insurance rate quotes in Tulsa Oklahoma is something that my friends in the life insurance business have been telling me about in excess. According to them, if you mention something in your doctor’s appointment, for example, if you ask what the risk of you getting a certain disease is, then that can go into your doctor’s medical files and can be used to rate your insurance policy.

take care,

Fashun

Reader questions:

Am I able to get ahold of my records with the Medical Information Bureau so that I can know what to expect from my Oklahoma City life insurance rate quotes?

Eric

Great question, Eric.

First of all, it’s entirely possible that, even if you have applied for disability, health, or life insurance before, that you are still not going to find yourself in the MIB database, and so it might not affect your Oklahoma City life insurance rate quotes. Only 20% of insurance applicants have files in the Medical Information Bureau database, actually. However, those who do number around 16 million people, always rising, so in numbers so high, it’s possible there might be mistakes.

You can order a report from the MIB just as you can from a credit reporting agency. And, just like with your credit report, any information falls off after seven years, and if you see anything on the report that shouldn’t be there or that isn’t accurate, you can contact the bureau to have it taken off.

Knowing what is on your medical information bureau report is essential to getting cheap Oklahoma City life insurance rate quotes.

take care,

Fashun

Reader question:

When I fill out forms for Oklahoma life insurance online rates quotes, what kind of information do the insurance companies get to know about me?

Juli

Great question, Juli.

Part of the amount of information you will be required to provide for Oklahoma life insurance online rates quotes will depend on what form of policy you are purchasing. Say, individual insurance versus group insurance. Normally, the company will pry more into your personal information if you are applying as an individual, because there is not so much shared risk.

Another thing is that, anytime you apply for something such as life, health, or disability insurance, your information goes into the Medical Information Bureau (MIB). Whenever you give one such company information about your medical state or history, they report it to the MIB. So when you apply, even if you decide not to reveal certain information, so long as you have revealed it before, you are going to be caught.

take care,

Fashun