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Height Weight Chart - Gauging Your Life Insurance Risk Factors
| Guest post by: John Clark |
Article Overview: Health questions and inquiries are common practice amongst life insurance agents and companies. The truth is the healthier lifestyle the prospective life insurance member has, the more benefits and lower premiums they qualify for. Height and weight queries are generally found on all life insurance forms. Whether requesting information online, or going the traditional route and visiting an agent or a life insurance facility, your height and weight will be used to determine what kind of policy you qualify for, and how much you are going to pay in premiums because of that height and weight.
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Height Weight Chart - Gauging Your Life Insurance Risk Factors
Health questions and inquiries are common practice amongst life insurance agents and companies. The truth is the healthier lifestyle the prospective life insurance member has, the more benefits and lower premiums they qualify for. Height and weight queries are generally found on all life insurance forms. Whether requesting information online, or going the traditional route and visiting an agent or a life insurance facility, your height and weight will be used to determine what kind of policy you qualify for, and how much you are going to pay in premiums because of that height and weight.
Height and weight have a very specific relationship with life insurance companies and the policies they offer. While life insurance policies are based on a variety of features, including: occupation, lifestyle tendencies, family necessity, and health, weight and height are also factors and can have an enormous effect on the final cost and benefit of a life insurance policy.
Weight and height can offer important information about the current or future health of a policyholder. Being overweight or underweight can offer a precursor of serious chronic medical conditions including: heart disease, diabetes, high blood pressure, stroke, cancer and ultimately, death. It is for these very reasons that life insurance companies view overweight and underweight individuals as high risk investments. One of two things will occur if a life insurance company believes the prospective member is a high risk venture. The first is that coverage will be expensive; policies and premiums will be costly for the policyholder. The second result is that the potential policyholder could be denied life insurance altogether. Where do you rate in the life insurance analysis on height and weight and risk level?
Height: 5'0 Preferred Weight: 145 Maximum Weight: 154 Standard Weight: 189
Height: 5'1 Preferred Weight: 159 Maximum Weight: 193 Standard Weight: 193
Height: 5'2 Preferred Weight: 164 Maximum Weight: 164 Standard Weight: 197
Height: 5'3 Preferred Weight: 158 Maximum Weight: 169 Standard Weight: 204
Height: 5'4 Preferred Weight: 162 Maximum Weight: 174 Standard Weight: 209
Height: 5'5 Preferred Weight: 166 Maximum Weight: 180 Standard Weight: 215
Height: 5'6 Preferred Weight: 170 Maximum Weight: 186 Standard Weight: 220
Height: 5'7 Preferred Weight: 192 Maximum Weight: 192 Standard Weight: 225
Height: 5'8 Preferred Weight: 182 Maximum Weight: 197 Standard Weight: 230
Height: 5'9 Preferred Weight: 188 Maximum Weight: 209 Standard Weight: 235
Height: 5'10 Preferred Weight: 193 Maximum Weight: 209 Standard Weight: 242
Height: 5'11 Preferred Weight: 199 Maximum Weight: 215 Standard Weight: 251
Height: 6'0 Preferred Weight: 205 Maximum Weight: 215 Standard Weight: 256
Height: 6'1 Preferred Weight: 211 Maximum Weight: 227 Standard Weight: 263
Height: 6'2 Preferred Weight: 216 Maximum Weight: 234 Standard Weight: 271
Height: 6'3 Preferred Weight: 222 Maximum Weight: 240 Standard Weight: 279
Height: 6'4 Preferred Weight: 227 Maximum Weight: 246 Standard Weight: 286
Height: 6'5 Preferred Weight: 233 Maximum Weight: 253 Standard Weight: 293
Prospective life insurance hunters can be proactive in their own health and take control of higher premiums by making healthier life choices, engaging in a healthy, doctor approved exercise plan and keep excess weight off. A healthy diet that includes plenty of whole grains, vegetables and fruits will help reduce extra weight gain. By controlling weight, you remain in charge of your own financial future and can help control life insurance premiums and benefits.
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Referred by: http://www.franchisefix.com/
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I'm a newbie here.I can get good information regarding the Insurance for Home based business and more. It's really safe to have Insurance for a home based business. Thanks a lot for discussing some important issues here and i feel really happy to be a part of this.
The Second Life Platform
- Greetings! I'm not sure how many of you have heard of or are sensitive to Second Life and its related entities. However, Second Life is a fantastic platform to mimmick real life business operations in a real currency based economy. There are plenty of successful stories for creative individuals, but I'd highly suggest doing your research and appreciating Second Life for what it is, and what it isn't.
Re: The Second Life Platform
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Hi JBunion,
I've heard about the site. So are you currently a member? And more importantly, have you tried to open a store front in that virtual world?
Re: Charge what you're worth
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Hi Tami,
You're absolutely right. In "Think and Grow Rich", Jessie B. Rittenhouse says "For Life is a just employer, He gives you what you ask, But once you have set the wages, Why, you must bear the task. I worked for a menial's hire Only to learn, dismayed , That any wage I had asked of Life, Life would have willingly paid" (Napoleon Hill 35).
I think the same can be said when setting prices on eBay or Craigslist, especially when people are trying to haggle you.
How to valuate a business
- Hi Garth - here is how we did it at Northern Crown Capital when I was helping them raise venture capital for Toronto-based entrepreneurs. Assume the start date is 2003 so 2008 projections are 5 years out:
How Northern Crown Capital Valuates a Business
2008 Financial Projections
Earnings Before Tax
$5,865,000
Tax Rate
42%
Taxes
$2,463,300
Net Earnings
$3,401,700
Amount Seeking to Raise Today
$3,500,000
Discounted Value of Future Opportunity, 5 Years Out
2008 P/E Ratio
15
Value of Company in 2008
$51,025,500
Discount Rate Applied
30%
Year 2008
$51,025,500
Year 2007
$35,717,850
Year 2006
$25,002,495
Year 2005
$17,501,747
Year 2004
$12,251,223
Value of Company at Investment in 2003
$12,251,223
Less: Investment Amount
$3,500,000
Present Value
$8,751,223
Discount for Risk & Private Company
40%
Less: Discount for Risk & Private Company
$3,500,489
Private Company Value
$5,250,734
Present Value (What the Owner Keeps)
$5,250,734
60.00%
Financing (What the Investor Gets)
$3,500,000
40.00%
Total
$8,750,734
100.00%
I hope this helps!
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