Because the amount the Insurance Premium in the health and life insurance depends on how old the insured at inception was, can the back-dating or a so-called defined benefit insurance makes sense.
differs from the times of the contribution will be decisive, collective age of the true age. So begins the new life insurers in many years, six months before the birthday.
Many health insurance companies expect just the year of the insurance period minus year of birth.
requests costs nothing - and saves money
Therefore, it may be cheaper for new mortgages a life or health insurance a few months to be paid retroactively, in order to qualify for younger and maintain an appropriately reduced premium. Whether such backdating is worth, you can ask in obtaining the offer with the same.
pays in health insurance, it is also to take out insurance cheap vesting prior to the actual insurance. With a qualifying buyer acquires the right to take out insurance at a later date on the same terms as this would have been at the start of qualifying. One gets sometimes in a more favorable tariff age group.
How to stop the time The benefit can
conserved age and health of the insured - at least actuarially. Particularly useful is the upstream insurance when the private health insurance is not required until later, for example, officers or soldiers with temporary entitled to free medical care.
For this group of people also called small benefit offered. It saves a subsequent medical examination, while the actual achieved age into account at the beginning of insurance coverage.
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