Life Insurance in the great state of Ca. is sold using the criteria below. Basically, your life insurance policy premiums will cost the same whether ya live in Ca., or any other state. What makes all the difference is your lifestyle. Whatever ya do, be honest with the insurance company ya are getting your on-line quote from. Be sure to get various quotes so ya can compare rates, premiums, and policy details.
For all residents in Ca., from rural, small towns, major population areas such as San Jose, San Francisco, Fresno, San Diego, Ventura, Bakersfield, Stockton, Medesto, and Los Angeles I urge ya to do a little research on the Ca. Department of Insurance web site.
Below are the questions insurance outfits will ask:
Lifestyle & Occupation Profile
1) When did ya last use tobacco or nicotine?
2) Do ya intend to fly as a Private Pilot?
3) Do ya work in a hazardous occupation?
4) Do ya engage in any risky activities such as racing, scuba diving
below 50 ft., mountain climbing, para-sailing or ultra light flying?
5) Within the last 5 years, have ya been convicted of either reckless
motoring or motoring while under the influence, received 3 or more
moving violations or had your license suspended/revoked?
Health History Profile
1) What is your blood pressure?
2) Are ya taking blood pressure medication?
3) What is your cholesterol level?
4) Are ya taking cholesterol medication?
5) Any family diagnosed with heart disease or cancer before age 60?
6) Which family member(s) were diagnosed with heart disease or cancer before age 60?
7) Have ya ever been rated up or declined by any life insurance company?
Has any physician recommended any medical test or procedure that ya have not yet completed?
9) Have ya ever had any of the following conditions?
Alzheimer’s, Artery (Coronary) Disease, Colitis or Ileitis, COPD, Crohn’s Disease, Diabetes, Emphysema, Epilepsy, Heart Disease, Abnormal EKG,
HIV, Kidney Disease, Leukemia, Melanoma, Mental Illness, Mitral Valve Prolapse, Multiple Sclerosis, Parkinson’s Disease, Prostate Cancer,
Rheumatoid Arthritis, Sleep Apnea, Stroke, Vascular Disease
Health History Profile Continued…
10) Within the last 7 years, have ya had any of the following conditions?
–a) Alcoholism Anxiety
–b) ADD
–c) ADHD
–d) Depression
–e) Asthma
–f) Skin Cancer
–g) Drug Abuse
–h) Addiction
–h) Recurrent Kidney Stones
–h) Liver Disease
–h) Hepatitis
–h) Ulcers