Can I compare rates for no exam life insurance coverage online as a smoker?

Rick

Thanks for asking, Rick.

As a smoker, if you compare rates for no exam life insurance coverage online, then you might get a preferable rate to what you would have been getting with an offline life insurance company which required an exam. If you smoke daily, then an exam would have picked up the nicotine in your urine anyhow, and so you probably would have gotten a substandard rating on your policy, which could mean hundreds of dollars out of your pocket. Even after you quit smoking, it takes five years with a standard company to get back to the point where you can get the best kind of ratings, which is the preferred policy.

Now, does that mean that if you compare rates for no exam life insurance coverage online, you’ll automatically get the best rates? Of course not. You should get a physical for another company anyway, so that you have that as a basis for comparison. After that, check out the online no exam rates. They’ll also be high, but you’re hoping they won’t be AS high.

take care,

Fashun

Should I get an instant no examination term life insurance policy online or whole life insurance?

Amy

Thanks for asking, Amy.

Well, you can usually only get an instant no examination term life insurance policy online because whole life insurance policies usually aren’t available without a medical exam. However, if you really want to know the difference between the two, I would recommend you buy the term life insurance policy. Once more, it’s the only policy which allows you to buy it without examination, you are buying more coverage with your premiums, you can convert to a whole life insurance policy later on in life or get all the money back that you have paid in, and it’s just a very great, flexible kind of policy.

The main problem with whole life insurance as opposed to instant no examination term life insurance policy online is that whole life insurance is NOT flexible. Yes, it does have a cash value, but after a certain amount of time, most of your premium just goes for upkeep instead of adding to the cash value, so it could be better just to save. Also, it’s much harder to adjust it if you start earning more or you needs change.

take care,

Fashun

Should I get online no exam life insurance agent quotes, or just go through a quote machine?

Chris

Thanks for asking, Chris.

For most people, it would just be easier and better to go through the quote machine, but if you have a condition which makes it harder for you to find a company which will insure you, then it might be betterto get online no exam life insurance agent quotes. For example, if you’re obese, recovering from cancer, smoke very heavily, have had a heart attack, and so on, then you should go this route. That is, of course, if you don’t have the option of opting in to a cheap group plan.

The reason that it might be better for you to get online no exam life insurance agent quotes is because, as an agent which has connections to many companies, it’s much easier for them to find a company for you because they have a history with these companies and know which ones have accepted people like you before.

take care,

Fashun

What are the rates for no exam life insurance online?

Cindy

Thank you for asking, Cindy.

The rates for no exam life insurance online actually aren’t too different for the rates from regular policies. However, it takes much more effort to get good rates with a no exam policy, and very few are able to nab the preferred rates, and even then only after bending over backwards to prove how healthy they are, which kind of defeats the purpose of being a no exam policy.

However, since there is no physical, for many people these rates end up being very high. Although it’s possible to get similar rates, for most people it just doesn’t happen.

But if you can get similar rates, then you may wonder, what’s the different between a no exam policy and an exam policy? Well, with a no exam policy you will likely get lesser, weaker coverage. You will pay more and get less, essentially, which you would not be doing if you bought a regular policy. This might be hte way to go if you have a certain medical condition, but if you’re healthy, then there’s no reason you should buy a no exam policy.

take care,

Fashun

Is it possible for me to buy no exam life insurance online?

Jack

Thank you for asking, Jack.

Sure, you can buy no exam life insurance policy online. In fact, it’s pretty easy, and all you have to do is go through a short process. Here are some steps to take to make sure that when you buy no exam life insurance policy online, you buy the best and the cheapest.

• First, go to a number of instant life insurance quote websites–at least 3–and fill out the forms to receive quotes from many different companies.
• Next, pick out the best quotes. You will need to do further research on these.
• Check out their financial stability at Standard & Poor’s.
• Check out their consumer ratings at J.D. Powers.
• Check out their complaint history at your state department of insurance website.
• Check which companies offer a discount for those who buy no exam life insurance policy online.
• Pick your favorite company, confirm our quote on their website–and buy!

take care,

Fashun