Is Life Insurance Without Medical Examination?

Is Life Insurance Without Medical Examination?

For healthy people, if you buy life insurance over the phone or by mail and no medical records are exchanged or tests are administered, you will be buying an inferior life insurance product that pigeonholes all applicants into one risk class. higher and is made on the basis of blind approval. No-exam policies sold through Globe Life insurer assume the consumer is below average health and therefore overcharge for coverage. The other side of the coin is that some consumers are not in perfect health and there are some circumstances where a policy without physical or medical records makes sense. For the consumer, it is best to compare life insurance quotes before buying.

What Is The Ideal Life Insurance In The United States?

Compare rates with an independent life insurance broker like our agency. When contacting a company like Globe Life Insurance, the consumer only gets Globe Life Insurance quotes. If that same consumer contacts an independent life insurance broker, the consumer will get rates from multiple life insurance companies, allowing them to compare insurance, avoid getting inferior life insurance and review quotes from all the major life insurance companies. United States insurance companies.

When shopping for life insurance, it’s best to compare multiple companies. Globe Life Insurance Company is one of many using marketing pieces that all consumers should check out for comparison before making their next purchase. In order to make sure that you are getting the best product and price look for an independent life insurance broker who can help you get multiple life insurance quotes.

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