What are the rates for no exam life insurance online
Reader question:
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
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