Reader’s Question: Can you really have a term  life insurance no physical exam?  I’d like to also know how insurance providers will calculate my premium. Jim Tucson AZ Several people feel  anxious or uneasy when they’re inside a clinic but they could get a policy through a term life insurance no physical exam. This can [...]

Reader’s Question: I’m forty five and am going to buy a life insurance policy. I’d like to understand about life insurance with no medical exam. Would you let me know how to bring down the cost of life insurance? Maike Chicago IL A life insurance wih no medical exam enables you to get insurance without [...]

Reader’s Question: Who usually gets to avail of life insurance with no medical exam? Linda Bronx NY   Life insurance with no medical exam is quite popular among those individuals who don’t want to face all the hassles of taking medical examinations along with the out of the pocket expenses of paying the doctor’s fee [...]

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, [...]