My next-door neighbor was asking me about no exam life insurance and if it was available in Buffalo New York NY. How would I know?

Silvia

Buffalo, NY

Well, Silvia, your neighbor should have done what you yourself did, and that is go online and get some information from the internet, or are you just more tech savvy than your next-door neighbor? Since we are chatting now, I might as well tell you about this no exam life insurance that she was talking about so that you can explain to her if she still can’t access the internet, or is unwilling to.

No exam life insurance basically is your regular life insurance, except that the applicant is no longer required to take medical examinations and that is why it is called no exam life insurance. If this seems bizarre to you since you have only heard of the regular life insurance application process in Buffalo New York NY, I will explain some more and hopefully make you see its merit.

Medical exams are required because obviously, the health condition of the applicant is very important when evaluating an application since it is the basis of the risk level of the applicant and the consequent life insurance premiums. In no medical exam life insurance, the usual medical report resulting from medical examinations will be replaced by a lengthy application form to be filled up by the applicant, in which all questions related to her health is asked. She should be responsible enough to know all the relevant details because it is a risk to her when she has failed to declare some pre-existing conditions.

No exam life insurance has been around for quite some time and it is definitely available in Buffalo New York NY. Do your neighbor a favor by entering your zip code on the blank space and getting free quotes which she may want to read.

I have seen and read a lot of advertisement about no physical exam life insurance in New York. Are these legitimate before the law?

Cindy

New York, NY

How are you, Cindy?

I hope you find this reply in good health.
Certainly there are policies out there which are offered through newspaper or magazine ads or made available to members or subscribers, may it be a professional or fraternal organizations. With the vast media coverage these days, including internet revolution, it is natural for someone like you to be skeptic about the legitimacy of these paid advertisements.
For one, no exam life insurance policy is a legitimate policy. The question is, who is the carrier and will this carrier give you a fair amount of coverage based on your premiums?

In most no exam life insurance policies, the amount of coverage might be of a limited sum and most would have a contestable period of a year or 2. Within the contestable period, the insurer can either modify or cancel the policy if there are discrepancies found in your application (say, non-disclosure of medical condition, and the like).

No exam life insurance might be a faster and convenient way to get life insurance coverage. However, they are usually more expensive for a relatively low coverage. I would advise you use this as a supplement for your existing life insurance, if you have any.

It is always bright to do research before you buy from these companies in New York that invest so much on marketing and advertising. There are so many ways by which you can gather the needed information.

Enjoy your shopping for no exam life insurance!

I only smoke a cigar maybe two, three times a year. You know, for celebrations. My candidate one, somebody had a baby, somebody graduated, my birthday. But someone tells me that I need Rochester NY smoker life insurance. How does that even make sense?

Greg

Glad you asked, Greg.

No, it can seem pretty nonsensical if you pick up a cigar fewer times a year than you have fingers on one hand, but the truth is that almost every life insurance company out there will stamp you as a smoker for it and charge you for Rochester NY smoker life insurance. Really, though, you have to consider that smoking a cigar is in many ways a lot worse than smoking a cigarette. Even though there’s only one cigar, it’s got the same chemicals as about an entire package of cigarettes. While three packs in a year still isn’t much, it is also considered to place you in smoker status.

Even if you had only smoker one cigar in the past year, you would still have to pay for Rochester NY smoker life insurance. You have to have done no smoking for 12 months in order to get out of that. Even so, since you smoke so rarely, you might be able to get away with saying that you don’t at all. There is some risk in that if you’re found out, your policy will be canceled, even if the company finds out post mortem. But considering how hard it would be to verify that you smoker three times a year, it might be worth the savings, considering that they can only cancel or eny benefits within the first 2 years.

take care,

Fashun