fsu speed dating 2016 - Backdating to save age life insurance

Some insurance companies issue a policy based on the applicant's actual age.

The price is calculated based on the individual's age on the date the policy was issued. Another way of calculating age for insurance purposes is to use the applicant's nearest birthday.

This means that when you place your life insurance policy in force and you’re within 6 months of your next birthday, they’ll actually determine your rates as if you are 1 year older.

backdating to save age life insurance-89

Depending on when the application for coverage was made, the insurance company will assign an age to the applicant.

For example, if a person applies for coverage six months or less after his or her birthday, the insurance company may determine that his or her age is one year less than the applicant's chronological age.

A B C D E F G H I J K L M N O P Q R S T U V W XY Z Learning about life insurance can be a daunting task, especially if one doesn’t know the meaning of the specialized words, of which there are many.

In this life insurance glossary, we have defined many of these terms used throughout this website and, perhaps in your policy).

If, at any time you come across an insurance term in Life you don’t understand, come back to this glossary and look up the definition.


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