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Is No Exam Life Insurance Right for You?

When you have life insurance coverage, you can be much more assured that those who you love and care about will be able to whether financial difficulties in case of the unexpected. That is because the proceeds from a life insurance policy can be used for some different needs, including the payoff of debt – as well as the paying of funeral and final expenses. These funds can also be used to help your heirs and survivors with paying their everyday living expenses in the future.

To qualify for life insurance, it is often required that you complete an application for coverage and undergo a medical examination. This exam usually consists of providing the insurance carrier with additional details about your health, and providing the insurer with a blood and urine sample for testing purposes.

Because of this medical exam, the insurance company will be able to determine whether or not you have various health issues – some that can make you a higher risk to the insurance company if they accept your application for insurance protection.

If you have certain health conditions, then, this exam could make it more difficult for you to obtain the insurance coverage that you need. But, it does not mean that you won’t be able to still get the coverage that you are hoping for. One alternative option could be for you to apply for a no medical exam life insurance policy.Continue Reading

Understanding Rapid Decision Senior Whole Life Insurance

Although there are many seniors who can still easily obtain approval for life insurance, there are others who may not be able to do so due to various health related conditions. That doesn’t negate the need for having life insurance protection. The good news is that now there is a viable solution for obtaining coverageContinue ReadingContinue Reading

Understanding Simplified Issue Term Life Insurance

When applying for life insurance coverage, not everyone can qualify easily. For one reason or another, some applicants may be turned down for the policy that they need. This could be due to an adverse health condition, or it may be because they participate in hobbies that are considered to be dangerous or risky byContinue ReadingContinue Reading

What Happens If You Borrow From Your Life Insurance Policy?

Deciding which life insurance policy is best for you and your loved ones can be difficult. There are several different policy types to choose from. All of them have different advantages and disadvantages that you have to weigh. Each household is different, which means that everyone has varying life insurance preferences. Today, there are numerousContinue ReadingContinue Reading

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