One popular life insurance product advertises that you do not need to take a medical exam. This may be o.k. and it may not.
Insurance companies charge different rates for people in different health categories. Often, easy issue policies are all standardized to a higher risk rating, meaning you will pay a higher premium.
It may be in your best interest to go to the trouble of getting a blood exam, so you know that you are getting the lowest possible risk. This will mean you will get the lowest possible risk.
On the other hand, pulling an MIB profile from the medical database may be enough for a low risk category. You want to check for sure, to know what sort of rate you are getting.
Subscribe to:
Post Comments (Atom)
No comments:
Post a Comment