Reader’s Question: I live here in Kansas and I am wondering if you would recommend that I get a No-Exam Life Insurance Policy? Albert Kansas City, KS Normally, I would only recommend a No-Exam or guaranteed Life Insurance policy if you have been denied life insurance coverage multiple times there in Kansas due to poor [...]

Reader’s Question: I’ve heard news of people getting HIV from needles used for blood tests. Whether or not that’s true, I’d hate to be the one to test it. Is there a way for me to purchase life insurance coverage while avoiding the hospitals here in Yonkers, NY entirely? Adeline Yonkers, NY Hi there, Adeline. [...]

Reader’s Question: I’m totally scared of needles. Is there some way to get life insurance without having to have blood tests here in Seattle, WA? Esther Seattle, WA You’d be surprised to know, Esther, that there are a lot of people who feel the same way you do – men and women alike. I, myself, [...]

Reader’s Question: I hate going to the hospital. I don’t like being probed – is there a way to avoid this when applying for life insurance coverage in Daly City California CA. Lily Daly City California CA Hi there, Lily! Being physically examined, even by a licensed medical practitioner does feel invasive to some people. [...]

Reader’s Question: What does no exam life insurance mean and is it available here in Indianapolis Indiana IN? Sounds to me like it’s too good to be true. How do I know it’s not just some insurance gimmick? Julian Indianapolis Indiana IN Hi there, Julian, those are quite valid questions indeed. First, let me explain [...]