Things to Consider Before Buying No Medical Exam Life Insurance!

If you want to obtain no exam insurance, you must plan carefully this deal. These are the things to consider before buying no medical exam life insurance.

term-life-insurance-over-651)     Analyze your budget.  We are willing to provide financial protection, both to ourselves and the ones we care, but with what costs? How much are you able to spend for life insurance?  Before making any decision, you must know if you are able to pay the premiums. If you want to find cheaper premiums, use the websites offering free online quotes. In this way you will be able to compare prices, offers, benefits and determine which one is more suitable for your needs and budget.

2)     Improve your medical condition.  No exam policies accept sick people as clients, but if you are too sick, you can still be rejected.  If you just started a treatment, wait a few months, until you get some positive results and based on these results, you can negotiate for cheaper prices.  Do not neglect the possibility of improving you condition, before applying for life insurance.

3)     Lose some weight. There are some things we cannot hide. Being overweight is one of them. The consequences of obesity are quite visible and will make the insurer to question your eligibility. Again, it would be nice if you could spend few months jogging or making some cardio exercises. The results will be visible soon. You will feel better and you will get better prices.

4)     Quit smoking. Smoking is considered a disease by the insurers, due to high mortality rate of lung cancer patients.  One of the most common questions is “Did you use products containing tobacco or nicotine in the past 12 months?” If the answer is “Yes”, then you will be considered a smoker.

5)     Do not wait too much. Seniors can get no exam life insurance, but even so, there is an age limit for this type of insurance. Do not wait until you are very old, because nobody will risk insuring you.

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