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DO I NEED A MEDICAL EXAM? – Life Insurance Ontario by Smart Term Life Insurance – FAQ
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Improving Your Health Can Improve Your Term Life Insurance Rate
March 20, 2011 by admin
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Improving Your Health Can Improve Your Term Life Insurance Rate
Improving Your Health Can Improve Your Term Life Insurance Rate
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Home Page > Finance > Insurance > Improving Your Health Can Improve Your Term Life Insurance Rate
Improving Your Health Can Improve Your Term Life Insurance Rate
Posted: Feb 18, 2010 |Comments: 0
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Life insurance is essentially financial coverage on human life. Just as your car would have to be in tip-top condition to warrant a good auto insurance rate, you need to be in good health to qualify you for an affordable term life insurance rate.
High blood pressure, diabetes, cancer, heart disease and life style-related conditions such as smoking, obesity and drinking can prevent you from getting a good rate. The only way to bring your rate down is by improving your health.
How term life insurance companies grade you for premiums
After a physical examination, your life insurance company will grade you according to your risk of dying. They have certain pre-determined risk types, and, you will be accordingly bracketed into a premium category such as super preferred, preferred, standard rate, etc. If you are in excellent health, lead a healthy lifestyle and have no history of major ill health in the past, you qualify for the Super preferred category which means your premiums will be very low, because you are probably going to live long. If they find that your health is good, but not good enough to warrant a super-preferred premium, you will be in the preferred category. Most Americans qualify for standard. There are categories lower than the standard category, with very high premiums. Let’s learn more about the common health risks that affect term life insurance rates and what you can do to improve your term life insurance rates.
High-risk health conditions
If you have a high-risk health condition like high blood pressure, heart disease and diabetes you need to be aware that you will never qualify for a preferred life insurance rate. Even if you have a family history of these diseases, you may not qualify for a low life term life insurance rate. However, you can provide supporting medical records and documents to show that you are regular with your checkups or follow the health guidelines that your medical practitioner has advised you.
Pre-existing medical conditions
Blood pressure, high cholesterol levels and other pre-existing medical conditions will disqualify you from obtaining a preferred term life rate. While you can’t change this, you can work on your health and take the required medication so that you don’t slip further down in the life insurance company’s grading system. If you show the insurance company supporting documents such as medical reports showing a drop in your cholesterol levels, or falling blood pressure readings, they are likely to offer better rates.
Smoking, Drinking or Drug Abuse
Smokers are separately bracketed by life insurance companies and are charged smoker’s rates. However if you are a smoker and seriously intend to quit smoking, you need to be ‘smoke-free’ for at least a year to qualify for a non-smoker rate. Smoking cigars, marijuana and tobacco usage will also be considered as smoking by the life insurance company. A urine or saliva test will detect the presence of nicotine, so if you are a smoker, it is best not to lie in you term life insurance application.
A history of drug abuse or heavy drinking will hamper your chances of qualifying for a good term life insurance rate. The life insurance company will need real proof that you are working on quitting the habit, and require you to ‘pass’ their medical exam to prove it. If you are a moderate drinker, make sure that you do not consume alcohol for at least 72 hours prior to your term life insurance medical exam. Even traces of alcohol can disqualify you from a lower life insurance rate.
Obesity
Being even mildly overweight but otherwise healthy can hamper your chances of obtaining a cheaper premium rate. A recent study has predicted that 86 percent of Americans could be overweight by 2030. If this turns out to be true, term life insurance companies will probably have to disqualify everyone from preferential life insurance rates. Obesity is closely linked to other health ailments.
Luckily, in most cases obesity is due to bad eating habits and lack of exercise. Simple lifestyle changes such as improving dietary habits and making it a point to exercise will no doubt help you.
Some points to remember
These days there are a lot of TV commercials advertising ‘no medical’ life insurance policies. While it does sound attractive, know that this type of life insurance may only work for senior citizens or someone in really poor health. If your health problem can be brought down through medication, diet and exercise you will probably get a better deal by getting your life insurance through the more common channels.
There are certain life insurance companies that look more favorably on certain health conditions than others. Buy term life insurance online because an online agency will be able to quickly identify these companies for you. The free term life insurance quotes that they give you are probably from one of these companies.
Never lie about your health in your policy application. If the life insurance company finds out, it could permanently disqualify you from getting life insurance, even from other providers. Just work on your health and on leading a healthy life style. Not only will your term life insurance rates be cheaper, but your family too will be happy to have you around for longer.
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About AccuQuote:
AccuQuote is a leader in providing term life quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term insurance as easy as possible for its customers. Their experienced professionals consistently deliver the most affordable term life insurance rates by comparing thousands of life insurance policies from dozens of top-rated carriers.
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About AccuQuote:
AccuQuote is a leader in providing term life quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term insurance as easy as possible for its customers. Their experienced professionals consistently deliver the most affordable term life insurance rates by comparing thousands of life insurance policies from dozens of top-rated carriers.
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Term Life Insurance With No Medical Exam and No Hassle
March 14, 2011 by admin
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Term Life Insurance With No Medical Exam and No Hassle
Term Life Insurance With No Medical Exam and No Hassle
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Home Page > Finance > Term Life Insurance With No Medical Exam and No Hassle
Term Life Insurance With No Medical Exam and No Hassle
Posted: Dec 29, 2008 |Comments: 0
| Views: 302 |
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Can you believe that many people put of the purchase of a term life insurance policy because they anticipate that it will be a big hassle to buy? They know they need to cover their families, protect their homes, and provide security. But they think that they will need to give up their privacy, fill out a long and complcated application, and go through a physical exam. So even though they understand why they should cover their lives, they just put it off.
These days, insurers operate in a very competitive market. You can barely watch tv without seeing competitive ads, and you also see ads on the internet. In fact, it is very easy to compare available plans and rate quotes with online forms. Some companies not only allow you to get rate quotes, they even allow you to apply online for their policies!
In order to save money, and with new computer tools, many large insurers are allowing most applicants to skip the medical exam too. A physical is an expense for the company too since they have to pay for it, and also pay for processing the information from that exam. They have better ways to get the information they need in order to offer a policy to applicants.
This helps consumers too. Busy people do not need to schedule appointments to fill out applications and have a medical exam. More laws and systems are also set in place to protect privacy, so consumers do not need to fear an intrusion on their personal lives. Many simplified issue policies are on the market that can help most people obtain proper coverage with very little trouble.
Is a simplified issue term policy right for you? For many people, simplified issue coverage will help them obtain a life insurance policy at an affordable price. Answers to a few questions on an application will be enough for an insurer to quote a rate, and it will also be enough for them to issue a policy.
Some people may do better by going through the process of getting a fully underwritten policy though. If you want a large face value for your policy, and if you believe you qualify for the very lowest rates, you may want to consider spending the time to give an insurer more information. In general, the more information an insurer has, the better able they will be to offer you the very best rates. For lower face values of insurance, and for younger people, the difference will probably not be that signifigant. But older people, and those who need a large amount of coverage, may be able to save money in the long run, by taking more time with their application process in the beginning.
You need to look at your own situation realistically. If you have the health of an athelete, you may qualify for the very best rates. But if you are like many people, you would only get a standard rate no matter what information you give an insurer, so the process may be a waste of time.
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We can help you find no medical exam life insurance with our safe, fast, and free online life insurance quotes. No medical life insurance for seniors is especially popular these days.
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Why should i buy long term care insurance?
I work on the cruise ship and becouse offhard work and trying to stay fit i took steroids.In few days i need to do normal medical exams plus drug tests but no steroid exam.Is It gonna show on the test
Plz advice if my son can have medical exam 2nd time within a month; because the 1st physician is making big mess with our report because my son had Hepatitis C as reactive but at very initial stage
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Before Getting An Affordable Term Life Insurance Quote
Posted: May 15, 2006 |Comments: 0
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Home Page > Finance > Insurance > Life insurance no medical exam – Like “No Exam Life Insurance term
Life insurance no medical exam – Like “No Exam Life Insurance term
Posted: Nov 28, 2010 |Comments: 0
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The best way to get a life term medical insurance is not to seek an offer to purchase the policy and practice online. While the process sounds simple, thanks to the Internet, get a “no test” term life insurance is not always what is cracked up to be.
life insurance companies require medical examinations, because they want to know what they are againstThey want to know exactly who and what they provide, and how risky it will be for them to provide you. Sure, you can deny term life insurance life insurance and a medical examination may be a reason to hurt her. However, with a spot or your medical (smoked in the last two years, with blood pressure, high cholesterol levels are high, obesity) is not necessarilyProceed to deny. One can only say that premiums are a bit ‘higher if you do not smoke and had no current health requirements.
At the same time, life insurance, term life insurance policies provide that, without a medical examination could not be the best coverage. For example, life insurance may refuse to provide cash benefits to your destination in case of death, if you wereaway due to a particular health problem. This could stem if not to read the fine print, and is also a reason why it is important to mention, in line with a life insurance agent directly, rather than implementing the entire operation.
If you are interested in buying term life insurance, but the fear of a medical examination, wait a minute before. Stop smoking, reduce blood pressure and cholesterol, and loseWeight. Not only help you to a medical examination and obtain lower premiums term life insurance, but also help you to stay health and live longer!
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I work on the cruise ship and becouse offhard work and trying to stay fit i took steroids.In few days i need to do normal medical exams plus drug tests but no steroid exam.Is It gonna show on the test
Plz advice if my son can have medical exam 2nd time within a month; because the 1st physician is making big mess with our report because my son had Hepatitis C as reactive but at very initial stage
Why should i buy long term care insurance?
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How to find Affordable Term Life Insurance during tough Economic Times
February 26, 2011 by admin
Filed under No Medical Exam Life Insurance
How to find Affordable Term Life Insurance during tough Economic Times
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Home Page > Finance > Insurance > How to find Affordable Term Life Insurance during tough Economic Times
How to find Affordable Term Life Insurance during tough Economic Times
Posted: May 28, 2010 |Comments: 0
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Even though the recession is slowly churning over, many of us are still grappling with low salaries or lost jobs, some of us have lost homes, and some of us are struggling to make ends meet. The only ways to stay afloat are by cutting down on spending, and exploring cheaper alternatives on all our purchases.
Term life insurance is however, required.
Unfortunately, in the process of cutting corners, many feel that they can do away completely with life insurance, even with the comparatively cheaper term life insurance. However, if there is one thing that you need to keep during tough economic times, it is a term life insurance policy. Here’s why:
Even if you are knee-deep in debt, you should get a policy, because in the event that you declare bankruptcy, any insurance on your life won’t be taken over by the courts.
In the event of your death, without a term life insurance policy your family will have to pay off all your creditors, including your mortgage. This will prove to be a huge financial strain for them, especially as the recession has resulted in lesser equity and savings, and if they don’t have the means to pay, it could mean putting them in dire straits.
So life insurance is an absolute necessity during a recession. Luckily, there are ways to get affordable term life insurance.
How to get affordable term life insurance
Finding affordable life insurance that fits into your tight budget is not that difficult when you are armed with the knowledge of how to get the best value for money on your life insurance plan.
Know the importance of accessing a reputed, unbiased multi-carrier agency website where you can do your preliminary research as well as consult with an agent as a great first step to buying cheap life insurance as you follow these guidelines:
A quote service on a reputed website can simplify the process of shopping around. However, use the quote service engine only as a benchmark of what you really need. This is because the so called ‘low life insurance rates’ that the industry often touts may not be available to you, if you can’t meet the underwriting guidelines. When accessing a quote service, remember to look for one that asks the most questions (pertaining not just to your medical health, but also your driving history, profession, hobbies, smoking habits, etc.) because your quote is likely to be truer, and more reflective of what your actual rate may be.
Don’t opt for the lowest rated quotes. They may lack some necessary features. Each life insurance product is different and beneath an attractive quote there could be riders and options that you don’t really need, or won’t adequately protect your interests. That is why it is important to use an online multi-carrier agency that offers you the chance to talk to their experts. An expert will be able to give you personal assistance on the right quote to choose. Some things to discuss with the expert are conversion options, the insurance carrier’s financial strength, etc.
Remember that a quote is just that, and until the underwriting process is complete, you won’t really know the rate you will qualify for. So be realistic and totally honest when you apply, to avoid disappointments later.
Each life insurance company assesses applications differently. e.g., Some companies may look more favorably on a history of cancer in the family, than do others. So when you first request quotes, and then discuss them with an unbiased agent, he should be able to tell you which companies are partial to your particular situation and provide guidance for you to make an informed decision. By finding the right company, the gains could be as much as 20% – 30%.
Never rely completely on employer-funded group term plans, because in tough times, your job could be at risk. If you leave your workplace, you will suddenly find yourself uninsured, and will have to scout around for fresh policies. They may not come cheap especially as you may be older then, and possibly not in as good health.
Don’t underestimate the importance of your medical exam. Take time to prepare for your term life insurance medical exam so that you can increase your chances of obtaining a more affordable term life insurance rate. e.g., you should switch over to a healthy diet at least a week prior to your exam. A good online agency will be able to give you complete information on how to prepare for your medical exam.
If a lump sum payment seems like a lot of money, opt for monthly payments: In tough economic times lump sum annually paid premiums can be quite a strain on your finances. Though premiums are discounted at lump sum rates, if you feel you can manage monthly payments better, then opt for monthly payments until your financial situation improves.
Compared to a few years ago life insurance rates have come down now. However, times are still tough and instead of being the first item to get struck off your financial plan your life insurance should be elevated to #1 priority. It is better to have some life insurance than none at all. In the event of your death, it is the only financial plan that can take care of your debts, as well as provide for your family.
As explained earlier in this article, a good multi-carrier life insurance agency that offers unbiased advice from experts is key to helping you get the best quotes.
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About AccuQuote:
AccuQuote is a leader in providing term life quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term life insurance as easy as possible for its customers. Their experienced professionals consistently deliver the most affordable term life insurance rates by comparing thousands of life insurance policies from dozens of top-rated carriers.
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About AccuQuote:
AccuQuote is a leader in providing term life quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term life insurance as easy as possible for its customers. Their experienced professionals consistently deliver the most affordable term life insurance rates by comparing thousands of life insurance policies from dozens of top-rated carriers.
Does Term Life Insurance Require A Medical Exam?
February 25, 2011 by admin
Filed under No Medical Exam Life Insurance
Does Term Life Insurance Require A Medical Exam?
Does Term Life Insurance Require A Medical Exam?
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Home Page > Finance > Insurance > Does Term Life Insurance Require A Medical Exam?
Does Term Life Insurance Require A Medical Exam?
Posted: Sep 30, 2008 |Comments: 0
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Okay, by now you probably know that term life insurance is the most affordable type of life insurance available. But did you know that you can acquire term life insurance without taking a medical exam?
It’s true. Basically all you’ll need to do is complete your application online and get an instant coverage decision. You can complete the entire process without leaving your computer and print out your policy instantly. Rest assured that there are no lengthy waiting periods or delays. You can get term life insurance with no exam and best of all it’s quick and easy. Just answer a few health questions and you’re done. Believe it or not you won’t even have to speak to an agent.
It gets better. Once you apply for term life insurance online and are accepted for coverage, your insurance protection begins that very same day and your premium rate is guaranteed. The cost of term life insurance is affordable, therefore, you can protect you and your family and it won’t break your budget.
The goal is to make acquiring term life insurance easy and painless. To alleviate the pain you find the lowest possible price. To make it easy you use the internet to find the lowest price and at the same time it’s the easiest way to get a quote, get a policy, get insured and you’re done in the shortest amount of time possible!
One thing you’ve got to understand is that although you will not be required to take a medical exam to acquire a term life insurance policy, you will be required to answer a series of “simple” medical questions. The answers you provide to those “simple” medical questions could possibly lead to you being required to get a medical exam.
Think about it. The insurance companies would not be in business very long if they insured everybody regardless of how healthy or how unhealthy they may be. That’s why you’ll be required to answers a series of “simple” health-related questions. The insurance companies have a set of guidelines that they’ll compare your answers too. If any “red flags” show up then the insurance company will contact you requesting further information and you may be required to take a medical exam.
The reason I wanted to explain the “no exam” rules to you is to help you quickly decide whether or not you honestly feel like you can purchase adequate insurance. Ask yourself this question. If you were the insurance company would you insure you?
I know that may sound a bit confusing but the truth is if you would not insure yourself because of bad health then you can’t honestly expect the insurance companies to insure you either.
If you are unsure about whether or not you health is to bad for insurance maybe it be to your advantage to get a physical before you start looking to buy term life insurance.
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Does Term Life Insurance Require A Medical Exam? article submitted by Roger Kelley. 60 seconds of your time could save you 0 or more on quality low cost term life insurance at Term Life Insurance
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Does whole life insurance have a cash value ?
Why should i buy long term care insurance?
I work on the cruise ship and becouse offhard work and trying to stay fit i took steroids.In few days i need to do normal medical exams plus drug tests but no steroid exam.Is It gonna show on the test
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Does Term Life Insurance Require A Medical Exam? article submitted by Roger Kelley. 60 seconds of your time could save you 0 or more on quality low cost term life insurance at Term Life Insurance
Term Life Review N ? What are the benefits?
February 23, 2011 by admin
Filed under No Medical Exam Life Insurance
Term Life Review N ? What are the benefits?
Term Life Review N – What are the benefits?
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Home Page > Finance > Insurance > Term Life Review N – What are the benefits?
Term Life Review N – What are the benefits?
Posted: Sep 25, 2010 |Comments: 0
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Term Life No consideration seems quite interesting, is not it? I mean the ability, life insurance without a physical exam, almost too good to be true seems to arrive. Would really like to know how to see one of my health insurance or if you do not smoke, or be subjected to an investigation, right? They know what they say, it is likely that some of them can hide the truth. There are many people who think thatautomatically for this product is only accepted because it was the end of the exercise of political life, but nothing more wrong!
Unfortunately, the benefits, none of them are real reasons to get an overview of the long-term life policy, none of this is true. Yes, there will be no physical examination, but this does not mean that insurance companies can collect information about you. Circle with the MIB (Medical Information Bureau) and his staffmedical records for their decision. This process of information gathering is not like the term life insurance can offer the appeal without accepting people who try to be responsible for their health. The main purpose of the MIB is the fight against insurance fraud to help.
So we wonder … What are the advantages of long-term policy review, or life? One of the biggest advantages of such a policy is the simple convenience of them. When you buy a non –Apply online for consideration and have a policy of simple life within a week if you are eligible. Another advantage is that there is no need to speak with an insurance agent, if desired. Of course, if you do not get a physical examination, a needle (stick blood) or weighed. These are just some of the benefits of obtaining long-term policy of the reporting period, nor life. Your appointment, you can easily find a sitelife that will immediately receive offers and implement a policy that you think is best for you.
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Term Life, term life quote, term life insurance calculator, 20 year term life insurance, life insurance, term life insurance
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More Life Insurance Without A Physical Exam Articles
no medical exam term life insurance
February 22, 2011 by admin
Filed under No Medical Exam Life Insurance
www.equote.com No medical exam term life insurance is within your reach today, visit equote.com or give us a call at 1-800-354-1666. Visit us online to learn more about term life insurance.
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