Filling in a life insurance application form is a bit like taking an exam, there will be an amazing number of questions to be answered, but like an exam, it should be treated seriously. When the insurers are asking for details of your health and lifestyle, most will take you at your word, and the chances are that any little white lies will come to light later.
Maybe you're a reformed smoker? If you've been battling with giving up the weed for some time and are virtually nicotine free, you may have decided that the new healthier you needs to assess your life insurance plans. Maybe this is the final push to ensure that you stick to your resolution. Be careful, though. The question applies to the last twelve months, in all probability and also if the insurers find the statement to be untrue, you risk the refusal of your claim. This could be an unwelcome shock to any would-be beneficiaries.
How do they know you are not being completely truthful? There are some urine tests that have been developed to catch out people who lie to get cheaper insurance. They're not expensive and are quick and convenient. So your insurance company can now check up on you if they suspect there's something amiss.
So it's much better to be truthful. This means that if do in fact smoke, you could have to fork out up to twice the premium for life insurance. It's an unfortunate fact that smokers face a very much higher chance of ill health and even premature death.
Prior to this new and simple test, there was one already available which measured the level of cotine - a by product of nicotine. This was expensive and the results could take weeks to arrive. The new test is immediate and the urine is tested and remains clear for non-smokers, red for heavier smokers and various shades of pink for the "almost given up but can't quite manage it" people. It's thought that if a medical is requested by the insurance company, they may request that one of these tests is administered as part of it.
A spokesman for the Association of British Insurers said:"People do pay more for their life insurance if they smoke and they're usually asked whether they have had a cigarette in the last 12 months. By and large insurance companies have been taking people at their word by this test could come in useful if a company has reason to doubt the declaration made by a customer."
This means that if insurers check the applicant's health with their GP, who says they are a heavy smoker - despite the application form claiming non-smoker status, they could then check with the GP to see if circumstances have changed and ask if the test could be used to ascertain the actual facts.
One of the chief underwriters at a major insurance company said they welcomed the ease and low cost of the new test. He thought that they would be most likely to be used when a medical examination had been requested and didn't expect that everyone who claimed to be a non-smoker to be tested.
Tell What You Believe
Are values are very important. In fact most of what we do is driven by the values we hold. We also compare or evaluate what we do by our values in order to decide whether what we have done is good enough. Therefore are values will often impact on our self-esteem.
Often people do not ever really think about where their values have developed from or even what they are. Yet they judge themselves by them all the time. Knowing more about your values is a way to gain more ownership over your life. By asking yourself whether the values you hold are the ones you want to, that fit with your experiences or whether they belong to others such as family etc, you can begin to let go of values that no longer empower you. After all its your life, live it by what you value!
To elicit your values, ask yourself the following questions;
1. What's important to you in life? or any specific area you want to know more about e.g. love
2. List values, then ask ?what else is important to you about life??, keep going until you can come up with no more values
3. The last time you felt really motivated, what was the feeling you felt just before you were motivated? List this feeling
4. Next prioritize the values in order of importance.
5. Look at where you think each value came from?
6. Does your behavior reflect these values? Do you want to live by these values?
Make sure you are eliciting the values that describe how you have lived your life so far and also that the values are "end values", higher purpose emotions. For example if to have an expensive car is a value, ask for what purpose? until you get the end value, such as achievements.
NLP therapists in Hertfordshire use NLP techniques to help people remove unwanted values. An NLP therapist, Herts will also be able to use more creative ways to help you elicit your values, via NLP techniques as it is often hard to consciously elicit them all, using the simple process above, although its a good starting point!
Both Michael Challiner & Karen Hastings, Hertfordshire are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Michael Challiner has sinced written about articles on various topics from Finances, Advertising Guide and Quit Smoking. In this day and age, taking out Life Insurance , will be one of the most important things you will ever do for your family! At Compare Life Insurance Blog. Michael Challiner's top article generates over 165000 views. Bookmark Michael Challiner to your Favourites.
Karen Hastings, Hertfordshire has sinced written about articles on various topics from Anger Control, Hypnotherapy and Cure Anxiety. Karen Hastings is an occupational therapist, master NLP practitioner and Hypnotherapist. Karen uses hypnotic techniques alongside NLP and CBT, to help overcome emotional and behavioral problems. Karen is based in Hertfordshire. Visit. Karen Hastings, Hertfordshire's top article generates over 8100 views. Bookmark Karen Hastings, Hertfordshire to your Favourites.
