Reader’s Question:

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.