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!
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