{"id":1563,"date":"2021-07-07T18:28:40","date_gmt":"2021-07-07T18:28:40","guid":{"rendered":"https:\/\/blueprintsfinancial.com\/?page_id=1563"},"modified":"2021-08-03T16:16:33","modified_gmt":"2021-08-03T16:16:33","slug":"frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/blueprintsfinancial.com\/?page_id=1563","title":{"rendered":"Frequently Asked Questions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1563\" class=\"elementor elementor-1563\">\n\t\t\t\t\t\t<section class=\"penci-section penci-dmcheck penci-elbg-activate penci-disSticky penci-structure-10 elementor-section elementor-top-section elementor-element elementor-element-f1ec733 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"f1ec733\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;shape_divider_bottom&quot;:&quot;wave-brush&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 283.5 27.8\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M283.5,9.7c0,0-7.3,4.3-14,4.6c-6.8,0.3-12.6,0-20.9-1.5c-11.3-2-33.1-10.1-44.7-5.7\ts-12.1,4.6-18,7.4c-6.6,3.2-20,9.6-36.6,9.3C131.6,23.5,99.5,7.2,86.3,8c-1.4,0.1-6.6,0.8-10.5,2c-3.8,1.2-9.4,3.8-17,4.7\tc-3.2,0.4-8.3,1.1-14.2,0.9c-1.5-0.1-6.3-0.4-12-1.6c-5.7-1.2-11-3.1-15.8-3.7C6.5,9.2,0,10.8,0,10.8V0h283.5V9.7z M260.8,11.3\tc-0.7-1-2-0.4-4.3-0.4c-2.3,0-6.1-1.2-5.8-1.1c0.3,0.1,3.1,1.5,6,1.9C259.7,12.2,261.4,12.3,260.8,11.3z M242.4,8.6\tc0,0-2.4-0.2-5.6-0.9c-3.2-0.8-10.3-2.8-15.1-3.5c-8.2-1.1-15.8,0-15.1,0.1c0.8,0.1,9.6-0.6,17.6,1.1c3.3,0.7,9.3,2.2,12.4,2.7\tC239.9,8.7,242.4,8.6,242.4,8.6z M185.2,8.5c1.7-0.7-13.3,4.7-18.5,6.1c-2.1,0.6-6.2,1.6-10,2c-3.9,0.4-8.9,0.4-8.8,0.5\tc0,0.2,5.8,0.8,11.2,0c5.4-0.8,5.2-1.1,7.6-1.6C170.5,14.7,183.5,9.2,185.2,8.5z M199.1,6.9c0.2,0-0.8-0.4-4.8,1.1\tc-4,1.5-6.7,3.5-6.9,3.7c-0.2,0.1,3.5-1.8,6.6-3C197,7.5,199,6.9,199.1,6.9z M283,6c-0.1,0.1-1.9,1.1-4.8,2.5s-6.9,2.8-6.7,2.7\tc0.2,0,3.5-0.6,7.4-2.5C282.8,6.8,283.1,5.9,283,6z M31.3,11.6c0.1-0.2-1.9-0.2-4.5-1.2s-5.4-1.6-7.8-2C15,7.6,7.3,8.5,7.7,8.6\tC8,8.7,15.9,8.3,20.2,9.3c2.2,0.5,2.4,0.5,5.7,1.6S31.2,11.9,31.3,11.6z M73,9.2c0.4-0.1,3.5-1.6,8.4-2.6c4.9-1.1,8.9-0.5,8.9-0.8\tc0-0.3-1-0.9-6.2-0.3S72.6,9.3,73,9.2z M71.6,6.7C71.8,6.8,75,5.4,77.3,5c2.3-0.3,1.9-0.5,1.9-0.6c0-0.1-1.1-0.2-2.7,0.2\tC74.8,5.1,71.4,6.6,71.6,6.7z M93.6,4.4c0.1,0.2,3.5,0.8,5.6,1.8c2.1,1,1.8,0.6,1.9,0.5c0.1-0.1-0.8-0.8-2.4-1.3\tC97.1,4.8,93.5,4.2,93.6,4.4z M65.4,11.1c-0.1,0.3,0.3,0.5,1.9-0.2s2.6-1.3,2.2-1.2s-0.9,0.4-2.5,0.8C65.3,10.9,65.5,10.8,65.4,11.1\tz M34.5,12.4c-0.2,0,2.1,0.8,3.3,0.9c1.2,0.1,2,0.1,2-0.2c0-0.3-0.1-0.5-1.6-0.4C36.6,12.8,34.7,12.4,34.5,12.4z M152.2,21.1\tc-0.1,0.1-2.4-0.3-7.5-0.3c-5,0-13.6-2.4-17.2-3.5c-3.6-1.1,10,3.9,16.5,4.1C150.5,21.6,152.3,21,152.2,21.1z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M269.6,18c-0.1-0.1-4.6,0.3-7.2,0c-7.3-0.7-17-3.2-16.6-2.9c0.4,0.3,13.7,3.1,17,3.3\tC267.7,18.8,269.7,18,269.6,18z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M227.4,9.8c-0.2-0.1-4.5-1-9.5-1.2c-5-0.2-12.7,0.6-12.3,0.5c0.3-0.1,5.9-1.8,13.3-1.2\tS227.6,9.9,227.4,9.8z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M204.5,13.4c-0.1-0.1,2-1,3.2-1.1c1.2-0.1,2,0,2,0.3c0,0.3-0.1,0.5-1.6,0.4\tC206.4,12.9,204.6,13.5,204.5,13.4z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M201,10.6c0-0.1-4.4,1.2-6.3,2.2c-1.9,0.9-6.2,3.1-6.1,3.1c0.1,0.1,4.2-1.6,6.3-2.6\tS201,10.7,201,10.6z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M154.5,26.7c-0.1-0.1-4.6,0.3-7.2,0c-7.3-0.7-17-3.2-16.6-2.9c0.4,0.3,13.7,3.1,17,3.3\tC152.6,27.5,154.6,26.8,154.5,26.7z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M41.9,19.3c0,0,1.2-0.3,2.9-0.1c1.7,0.2,5.8,0.9,8.2,0.7c4.2-0.4,7.4-2.7,7-2.6\tc-0.4,0-4.3,2.2-8.6,1.9c-1.8-0.1-5.1-0.5-6.7-0.4S41.9,19.3,41.9,19.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M75.5,12.6c0.2,0.1,2-0.8,4.3-1.1c2.3-0.2,2.1-0.3,2.1-0.5c0-0.1-1.8-0.4-3.4,0\tC76.9,11.5,75.3,12.5,75.5,12.6z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M15.6,13.2c0-0.1,4.3,0,6.7,0.5c2.4,0.5,5,1.9,5,2c0,0.1-2.7-0.8-5.1-1.4\tC19.9,13.7,15.7,13.3,15.6,13.2z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"penci-ercol-100 penci-ercol-order-1 penci-sticky-ct    elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8bb3566\" data-id=\"8bb3566\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-98a2c9c elementor-widget elementor-widget-heading\" data-id=\"98a2c9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"penci-section penci-disSticky penci-structure-10 elementor-section elementor-top-section elementor-element elementor-element-1496ea0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1496ea0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;shape_divider_bottom&quot;:&quot;wave-brush&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 283.5 27.8\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M283.5,9.7c0,0-7.3,4.3-14,4.6c-6.8,0.3-12.6,0-20.9-1.5c-11.3-2-33.1-10.1-44.7-5.7\ts-12.1,4.6-18,7.4c-6.6,3.2-20,9.6-36.6,9.3C131.6,23.5,99.5,7.2,86.3,8c-1.4,0.1-6.6,0.8-10.5,2c-3.8,1.2-9.4,3.8-17,4.7\tc-3.2,0.4-8.3,1.1-14.2,0.9c-1.5-0.1-6.3-0.4-12-1.6c-5.7-1.2-11-3.1-15.8-3.7C6.5,9.2,0,10.8,0,10.8V0h283.5V9.7z M260.8,11.3\tc-0.7-1-2-0.4-4.3-0.4c-2.3,0-6.1-1.2-5.8-1.1c0.3,0.1,3.1,1.5,6,1.9C259.7,12.2,261.4,12.3,260.8,11.3z M242.4,8.6\tc0,0-2.4-0.2-5.6-0.9c-3.2-0.8-10.3-2.8-15.1-3.5c-8.2-1.1-15.8,0-15.1,0.1c0.8,0.1,9.6-0.6,17.6,1.1c3.3,0.7,9.3,2.2,12.4,2.7\tC239.9,8.7,242.4,8.6,242.4,8.6z M185.2,8.5c1.7-0.7-13.3,4.7-18.5,6.1c-2.1,0.6-6.2,1.6-10,2c-3.9,0.4-8.9,0.4-8.8,0.5\tc0,0.2,5.8,0.8,11.2,0c5.4-0.8,5.2-1.1,7.6-1.6C170.5,14.7,183.5,9.2,185.2,8.5z M199.1,6.9c0.2,0-0.8-0.4-4.8,1.1\tc-4,1.5-6.7,3.5-6.9,3.7c-0.2,0.1,3.5-1.8,6.6-3C197,7.5,199,6.9,199.1,6.9z M283,6c-0.1,0.1-1.9,1.1-4.8,2.5s-6.9,2.8-6.7,2.7\tc0.2,0,3.5-0.6,7.4-2.5C282.8,6.8,283.1,5.9,283,6z M31.3,11.6c0.1-0.2-1.9-0.2-4.5-1.2s-5.4-1.6-7.8-2C15,7.6,7.3,8.5,7.7,8.6\tC8,8.7,15.9,8.3,20.2,9.3c2.2,0.5,2.4,0.5,5.7,1.6S31.2,11.9,31.3,11.6z M73,9.2c0.4-0.1,3.5-1.6,8.4-2.6c4.9-1.1,8.9-0.5,8.9-0.8\tc0-0.3-1-0.9-6.2-0.3S72.6,9.3,73,9.2z M71.6,6.7C71.8,6.8,75,5.4,77.3,5c2.3-0.3,1.9-0.5,1.9-0.6c0-0.1-1.1-0.2-2.7,0.2\tC74.8,5.1,71.4,6.6,71.6,6.7z M93.6,4.4c0.1,0.2,3.5,0.8,5.6,1.8c2.1,1,1.8,0.6,1.9,0.5c0.1-0.1-0.8-0.8-2.4-1.3\tC97.1,4.8,93.5,4.2,93.6,4.4z M65.4,11.1c-0.1,0.3,0.3,0.5,1.9-0.2s2.6-1.3,2.2-1.2s-0.9,0.4-2.5,0.8C65.3,10.9,65.5,10.8,65.4,11.1\tz M34.5,12.4c-0.2,0,2.1,0.8,3.3,0.9c1.2,0.1,2,0.1,2-0.2c0-0.3-0.1-0.5-1.6-0.4C36.6,12.8,34.7,12.4,34.5,12.4z M152.2,21.1\tc-0.1,0.1-2.4-0.3-7.5-0.3c-5,0-13.6-2.4-17.2-3.5c-3.6-1.1,10,3.9,16.5,4.1C150.5,21.6,152.3,21,152.2,21.1z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M269.6,18c-0.1-0.1-4.6,0.3-7.2,0c-7.3-0.7-17-3.2-16.6-2.9c0.4,0.3,13.7,3.1,17,3.3\tC267.7,18.8,269.7,18,269.6,18z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M227.4,9.8c-0.2-0.1-4.5-1-9.5-1.2c-5-0.2-12.7,0.6-12.3,0.5c0.3-0.1,5.9-1.8,13.3-1.2\tS227.6,9.9,227.4,9.8z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M204.5,13.4c-0.1-0.1,2-1,3.2-1.1c1.2-0.1,2,0,2,0.3c0,0.3-0.1,0.5-1.6,0.4\tC206.4,12.9,204.6,13.5,204.5,13.4z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M201,10.6c0-0.1-4.4,1.2-6.3,2.2c-1.9,0.9-6.2,3.1-6.1,3.1c0.1,0.1,4.2-1.6,6.3-2.6\tS201,10.7,201,10.6z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M154.5,26.7c-0.1-0.1-4.6,0.3-7.2,0c-7.3-0.7-17-3.2-16.6-2.9c0.4,0.3,13.7,3.1,17,3.3\tC152.6,27.5,154.6,26.8,154.5,26.7z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M41.9,19.3c0,0,1.2-0.3,2.9-0.1c1.7,0.2,5.8,0.9,8.2,0.7c4.2-0.4,7.4-2.7,7-2.6\tc-0.4,0-4.3,2.2-8.6,1.9c-1.8-0.1-5.1-0.5-6.7-0.4S41.9,19.3,41.9,19.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M75.5,12.6c0.2,0.1,2-0.8,4.3-1.1c2.3-0.2,2.1-0.3,2.1-0.5c0-0.1-1.8-0.4-3.4,0\tC76.9,11.5,75.3,12.5,75.5,12.6z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M15.6,13.2c0-0.1,4.3,0,6.7,0.5c2.4,0.5,5,1.9,5,2c0,0.1-2.7-0.8-5.1-1.4\tC19.9,13.7,15.7,13.3,15.6,13.2z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"penci-ercol-100 penci-ercol-order-1 penci-sticky-ct    elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-78630db\" data-id=\"78630db\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"penci-section penci-disSticky penci-structure-20 elementor-section elementor-inner-section elementor-element elementor-element-323a880 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"323a880\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"penci-ercol-50 penci-ercol-order-1 penci-sticky-ct    elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fb6c0c2\" data-id=\"fb6c0c2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79e7286 custom_p elementor-widget elementor-widget-text-editor\" data-id=\"79e7286\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>What are Blueprints Financial\u2019s premiums?<\/h3><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">The best way to accurately find out how much you will be charged is to have a consultation with one of our agents. The consultation is free and comes with no obligation. We use the latest data analytics insights and technology to give everyone a suitable quote based on their unique circumstances.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"penci-ercol-50 penci-ercol-order-2 penci-sticky-ct    elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e80b7e4\" data-id=\"e80b7e4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d39cfa elementor-widget elementor-widget-video\" data-id=\"5d39cfa\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/r9n-3fZFN4g&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1dfe9c custom_p elementor-widget elementor-widget-text-editor\" data-id=\"c1dfe9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>What affects my premium?<\/h3><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">The information we receive from you affects your premium. We take your information and compare it to the data we have. This data\u2014such as gender, salary, age, and occupation\u2014helps us determine how much risk insurance companies take in insuring you. We then work out your premiums based on this risk. (In the insurance industry, this is called underwriting.)<\/span><\/p><p>\u00a0<\/p><h3><strong>How do I choose my premium or payout?<\/strong><\/h3><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">As long as you\u2019ve answered our underwriting questions honestly, you can edit the payout or cover amount for each product before you accept the quote. If you\u2019ve budgeted a certain amount and the sample quote seems too expensive, you can reduce the cover for specific products or remove them altogether. You can keep tweaking the quote until you are happy with the products, the cover amounts, and the overall premium.<\/span><\/p><p>\u00a0<\/p><h3><strong>Does Blueprints Financial help insure people with existing conditions?<\/strong><\/h3><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Yes, we help insure those with existing conditions. However, there may be limits on what we can help cover or pay out. The life insurance company might impose limits and exclusions based on your medical history, for example. We will go over any benefit-specific exclusions with you. Simply contact us today!<\/span><\/p><p>\u00a0<\/p><h3><strong>Why is my and my family\u2019s medical history relevant to my application?<\/strong><\/h3><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">This is what we typically call &#8220;underwriting&#8221;: we ask you some medical questions so that we can determine a few things. We need to know if we can actually offer you insurance; we then can determine which types of services we can offer you, the specific benefits to these services, their exclusions, and their price.<\/span><\/p><p><span style=\"font-weight: 400;\">Family history is a good predictor of potential claims and influences the products we can offer you, and the price of those benefits.<\/span><\/p><p><span style=\"font-weight: 400;\">Contact us if you have any questions this page doesn\u2019t answer. We look forward to hearing from you!<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Frequently Asked Questions What are Blueprints Financial\u2019s premiums? \u00a0 The best way to accurately find&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-1563","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/blueprintsfinancial.com\/index.php?rest_route=\/wp\/v2\/pages\/1563","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blueprintsfinancial.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/blueprintsfinancial.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/blueprintsfinancial.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blueprintsfinancial.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1563"}],"version-history":[{"count":16,"href":"https:\/\/blueprintsfinancial.com\/index.php?rest_route=\/wp\/v2\/pages\/1563\/revisions"}],"predecessor-version":[{"id":1790,"href":"https:\/\/blueprintsfinancial.com\/index.php?rest_route=\/wp\/v2\/pages\/1563\/revisions\/1790"}],"wp:attachment":[{"href":"https:\/\/blueprintsfinancial.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1563"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}