Life Insurance Without a Physical

Life Insurance Without Physicals

Why would you want to get no medical exam term life insurance? After all, in general the more information the insurance company gets to collect, the more receiptive they are to handing out a cheaper rate class!

But for many people, the rate difference is negligable, and worth it. After all, people are concerned about privacy, and really don't want some unknown insurance underwriter examining their blood tests. Secondly, it is just a lot more convenient to apply for insurance, and get the policy issued quickly, without having to schedule a medical exam appointment and all that.


For instance, I have had many clients who were on the road a lot because they were truck drivers or sales people. It was hard enough to get them to schedule one appointment to take an application. I knew that they would never consent to stick around for a physical!

In order to keep the life insurance premiums as low as possible look for discount life insurance rates!

Discount Life Insurance

Insurance agents were always strongly cautioned about encouraging prospects to replace their old life insurance. After all, age in years is a strong factor when determining life insurance premiums, so they would be unlikely to get cheaper life insurance 5 years later, right?

Cheaper Life Insurance Now?

Well, that used to be right, but life insurance rates have dropped a lot over the last few years. In this competitive envirnoment, you may save some money by shopping around. Another thing to consider is the company. After all, we did find a $300 difference between the premiums between 10 major life insurance companies in one area for the same individual!

It will take a few seconds to list the most competitive life insurers in your area: Discount Insurance Quotes

Best Car Insurance Quotes

If you have notified that your car insurance premiums are going up, you do not have to sit back and accept it as another sign of the times. Car insurance is incredibly competitive, and you can find insurers who are willing to compete for your business.

Compare and find the best car insurance for your family. This will be a mix of good coverage and affordable rates.

Sometimes a small increase in the accident deductible can lower your premium by $100s every year. A 1 day defensive driving course is also another famous car insurance discount you may not be taking advantage of.

Health Insurance Declines

We are having a huge problem in the US with health insurance declines on the individual health insurance market.

Shopping For Health Insurance:

Best Health Insurance Quotes

The people who need coverage the most are having problems finding a health plan at all, or at least finding a health plan that is affordable and that covers their medical problem.

In every US state, you can find a high risk pool, and that may be your only option. To not expect the high risk pool to be an inexpensive coverage option just because it is run by the state though.

You may have more options, though, and one decline does not mean everybody will decline you: Declined For Health Insurance
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Motorcycle Insurance Quotes Online

It can be tough to find competitive rates on motorcycle insurance, but qualified insurers can give you tips on finding cheap motorcycle insurance rates. It can be very easy to quote and buy motorcycle insurance for the top rated carriers in your area, plus get some simple tips to save money!

These tips are especially important for younger riders, or those riders who have a couple of insurance cliams, because their premiums are bound to be the highest!