No Exam Life Insurance Options
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. While I have not heard of such an incident happening in Yonkers, NY, in a way, you are right – HIV is transferred through the exchange of bodily fluids, including blood. However, that would mean that the needle used to take your sample has already previously been used and contains remnants of that infected person as well. Not just during medical exams but for any other purpose, you should make sure that the nurse or doctor drawing your blood or injecting something into your body uses a fresh syringe taken from a sealed package. Make sure he or she opens it in front of you. We can’t be too careful these days.
The above notwithstanding, I can understand how you may simply want to avoid the stress and anxiety. Don’t you worry because you can avoid the blood tests simply by applying for a no exam life insurance policy. While no exam life insurance coverage is usually more expensive than if you had submitted the usual requisite documents, the value of the stress and anxiety a medical exam would have caused may tip the scale over.
I suggest that you start by getting free no exam life insurance quotes online. Just enter your zip coed on the forms on this page and answer the following questions. These will approximate the questions that an insurance agent usually asks. Your answers will input into the calculation of the premium to be quoted. So, you see, the free no exam life insurance quotes will give you an idea of how much actual premiums will cost in Yonkers, NY.
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