Low Cost Life Insurance With No Exam

A low cost life insurance with no exam can be obtained with the purchase of a basic term life policy for up to thirty years with a reputable company. These types of plans are becoming more popular with the use of Internet technology increasing the sale of policies by over 35%. The risk assumed by enrollees is that if they were to die within their term policy from an ailment; and that ailment was a pre-existing medical condition diagnosed before the purchase of the policy but not disclosed on the original policy enrollment form, the beneficiary does not get the insurance funds because the falsified information voids the low cost life insurance with no exams policy.

It is critical for individuals to understand that the risk of falsified or undisclosed medical history falls on the policyholder, not on the insurer. Low cost life insurance with no exams can grant an instant quote for those that are interested in receiving more information, especially financial information, as it pertains to the purchase of a policy. Term low cost life insurance with no exam differs from whole life insurance in that term plans can only be offered for a maximum of thirty years. While term plans are much more affordable than their whole or universal plan counterparts, they do not accrue equity and do not offer the benefit of retirement investment of the premiums.

Term plans are best suited for individuals on a budget who need coverage for a certain time in their lives, such as child raising years, and who have other retirement investments in place. Those interested in researching low cost life insurance with no exam policies should check with the BBB or Better Business Bureau for a customer satisfaction rating. The Better Business Bureau rates businesses based on customer reviews and complaints. If the company considered has an "AAA" rating, it is a safe bet that the customer will be satisfied with the policies offered by the agency.

Christians interested in purchasing a policy should carefully consider their motivation for such a purchase. A large concern about the purchase of insurance is that it shows a lack of faith in God to provide for His people. While the Bible does not identify specifically whether the purchase of insurance is right or wrong; it does lend an example of being prepared for future disaster and famine. "And let them gather all the food of those good years that come, and lay up corn under the hand of Pharaoh, and let them keep food in the cities. And that food shall be for store to the land against the seven years of famine, which shall be in the land of Egypt; that the land perish not through the famine." (Genesis 41:35-36). Those who have dependents or others who depend on them for care and income should consider purchasing a low cost life insurance with no exams policy.

For more information: http://www.christianet.com/lifeinsurance

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