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Life Insurance No Exam Required - How are Rates Determined? Online Insurance Marketplace Explains
Date:11/28/2013

(PRWEB) November 28, 2013

Online Insurance Marketplaces has released a blog explaining how life insurance no exam rates are determined.

Life insurance no exam required has become an important policy for a wide number of people who rely on it for coverage and financial protection. Since it is also a new type of life insurance, many clients are confused over an important aspect: how are rates determined? Online Insurance Marketplace aims to explain this.

Life insurance rates are determined during the underwriting process. Underwriting implies calculating the price of a policy based on several factors concerning the applicant’s lifestyle, health and age. The number of factors can vary from policy to policy. For a traditional plan, the applicant has to take medical examinations, so that the company can have a clear picture of the applicant’s health. Other plans, life life insurance no exam, use a medical questionnaire to review the applicant’s health.

Agencies who sell life insurance no exam required are taking high risks, or so it may appear. Online Insurance Marketplace, however considers that providers do not risk too much selling this type of plan. If an agency has to pay life insurance proceeding, it loses a lot of money, an expense which will have to be covered by premiums.

Diminishing the risk of having to pay life insurance proceedings is an agency’s main concern. No exam life insurance plans are more expensive and they offer limited coverage. Some plan are temporary, which again reduce the risk of having to pay a benefit and those that are permanent offer small benefits, not exceeding $50,000.

“Understanding how life insurance rates are determined will help people be more confident when choosing a policy and it will also help them find cheaper insurance!
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Source: PRWeb
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