Want no medical exam life insurance? Up until very recently it was probable to get some life insurance up until age 65 without having to do a full blown medical examination. Quite a few people were able to get these policies. The whole thing was based on answers to a few pointed health questions together with reports from the M.I.B...Medical Information Bureau.Like most things some people found a way to get around the vetting procedure. These...more
The cost of life insurance in Los Angeles may be more expensive than in other parts of the United States. Apart from the fact that many fatal car accidents occur in this part of California, gang-related deaths in the city are also on the rise. In fact, according to 2001 figures from Los Angeles County Sheriff's Department Homicide Bureau, gang related homicide in LA County rose to 54.9%. So, even if the cost of life insurance in the city is...more
A no exam life insurance offers a very convenient way of getting insurance coverage. As the name suggests, this is a type of insurance policy that does not call for the person who wants to be insured to undergo any medical examination. If you have excellent health, you can easily qualify for this type of protection. Conversely, if you have a history of cancer, heart ailments, and other serious disorders, you will not get approved for this kind of life insurance. But the good news is that even older folks can qualify for a no exam policy through a guaranteed issue life insurance.When applying for a no exam life insurance, you need to keep in mind that such a policy typically costs more than ordinary types of life insurance. You have to realize that with a no exam policy, the insurer will have no way of figuring out if a person who wants to be insured has a high probability of getting ill. So, to help lessen their risk exposure, insurance companies offer no exam policies at higher premiums. In relation to this, there was even a time when only younger individuals could get approved for insurance policies without medical exams. The reason was that insurance companies believed that most...more
Buying a life insurance policy is a formidable task and yet if you go about it in the right way, it can bring about a rich dividend. Make sure that the policy you choose helps you to achieve your objective in an effective manner. This in effect means that you have to decide your financial goal first and then consider different aspect of the life...more
If you are prudent and financially smart, you will determine your need first and then try to pick up a policy that covers such needs. It is a fact that, there are different types of life insurance policies, each of which has been created with a particular need in mind. Therefore, for optimum benefit, look through all of them and compare the pros...more
You can get some of the best term life insurance quotes from leading insurers by filling out an on line application form on their websites. It is important to compare these quotes based on a number of factors which can help see if the policy would be able to fulfill your needs in an effective manner. You can assess your insurance needs with a careful study of relevant factors including your income, investments, assets and liabilities amongst other things. Your insurance need is based on a number of relevant factors. Basically, this amount depends upon how much money you think your family will need not only to stay afloat, but also to lead a decent lifestyle in the event of your premature death. There are various ways to calculate it:You can calculate the amount of coverage with the help of online estimation tools provided by many insurance websites free of charge.You can choose an amount fifteen times your annual income before tax as the coverage amount. However, these are rough estimations.To calculate the coverage amount more accurately, consider your income, investments, assets and liabilities more closely.Your family's lifestyle and aspirations too need to be...more
If you get a deal with extremely affordable insurance rates for an amount of coverage which cannot fulfill the needs of your family and loved ones then it may not be the best choice of policy. You can calculate the amount of coverage by using any...more
Buying a life insurance policy at a reasonably low rate is not difficult. You will find too many of them. However, purchasing a policy at affordable rate cannot be your only intention. Quite a few other factors need to be looked into to make sure...more
Life insurance is an investment which goes a long way to secure the future of your dependents and give you peace of mind with the knowledge that they would not have to worry to about fulfilling their needs once you have left this world. It is...more
This simplified issue policy is easily available with most of the insurers for which you only needs to fill up and submit an online questionnaire on their website. However, insurance rates on this option are much higher as compared to most of the...more
You can buy attractive term life insurance from the choice of your insurer with careful planning and working on your insurance needs. You can start by getting affordable term life insurance quotes from leading insurers. These quotes can be studied...more
The first thing that you need to be aware of is your insurance requirements. Only then, you can get yourself the perfect insurance coverage. Ideally, the coverage amount should be such that it will allow your beneficiaries to lead the same kind of...more