Tips for Purchasing Cheap Life Insurance

Some companies will issue insurance coverage without needing to submit to a medical examination. Basically you will be asked to answer questions about your past and current health status, and to sign the statement.

Many individuals consider, under these circumstances, they are getting a bargain to purchase such policies.

However, since no medical test is applied, the majority of people with health problems are in the same class to enjoy normal health. Since the member of the risks is included in the group, the premium rate for such a mixed group is higher than that of a group which has only the normal people as members.

Thus, the insurance plan that requires no medical examination, is attractive only to those with some health problems which ordinarily classify them into a team of more risk. The premium rates for policies of a mixed group was lower than the policies that apply to a group that has members with similar medical problems and higher-than-average risk. Individuals with normal expected life span caused by the average life span of the entire group increased, and then the "normal" members partially compensate for those who are less risk.

You might reason that since the insurance company requires a person seeking insurance to sign a document containing statements about his health, that person will disclose any medical problems which enable the company to classify him with a special risk group. In this way all those who are more risk is in a class by themselves, and not be forced to pay higher premiums for them. This, however, is not completely accurate. Under the law, insurance companies usually do not do anything else about a false statement of the policyholder, if the company did not discover the false statement before the end of two years after insurance is issued. Some individual awareness about the fact may reduce the pertinent information, and enter the exact statement on their sign application.

Therefore, if you have a physical problem that might ordinarily classify you with more risk, you will find it hard to get the type of policy does not require you to send a medical examination. If, alternatively, to enjoy normal health, it is in your favor to ask the plan to require medical examination, and therefore natural lower premium rates.

When looking to buy only a small amount of insurance, the company may waive the requirement for a medical examination. If you are in good health, this waiver only benefits you if you do not pay any penalty for not having taken examinations. It is, therefore, be important to compare the premium costs of insurance offered under this condition, with a policy requiring a medical examination.

If, on the other hand, seek to buy large amounts of insurance, the company will insist, under all conditions, to take a medical examination. If you ask a huge amount of insurance, the company may require that you have two tests by two independent doctors, to assure itself of your insurability.

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