...have a smooth transaction? To apply and be approved for life insurance what are some of the main factors to have a smooth transaction? Im considering getting it for my family..What are some important things to know?

criteria for a smooth trx
1. BMI - not too high (body mass index )
2. smoker/non-smoker (number of stick per day ) more than 10 sticks a day may attract some loading

3. drinking habit

4. family health history like diabetes or high blood

5. Pre exsiting illnesses or your medical history (reports may be required - get it ready)

6. Previous insurance (protection $ and premium, company ?)

Thing that u need to know
1. exclusion clauses (things that they dun cover)
2. age limit for a child to be under your name
3. claim's procedure
4. premium and future premium (as some insurance premium is not leveled)
6. payment mode (annual, half yearly or monthly)

Make sure you deal with a life insurance agent with a company that does business in the USA. I almost got involved with a company that offered really cheap rates for term insurance, until I scrolled to the bottom and saw that it was a foreign company.

They will look at some major things. Weight to Height. Nicotene. Blood Pressure. Life Style (your job) etc.

They will go through an entire list. Dont lie to them because they will find out. Any medication you are on the will check. You will give them persmission to check the insurance database to see all perscription medication you are on or have been on. Many pills are an automatic denial. But the agent cant tell you at the time, even though they know it wont go though.

Good Luck. Most people can get life insurance, its just how much it cost.