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No Medical Exam Life Insurance Should Be Bought After Taking Into Consideration Some Important Issues

(PRWEB) December 08, 2013

Online Insurance Marketplace has released a blog presenting some important issues that must be taken into consideration before purchasing a life insurance policy.

No medical exam life insurance provides life coverage for a big number of people who cannot get a traditional policy because of their age and medical condition. This type of coverage is becoming more and more popular because of its accessibility and simplicity. Life insurance policies which do not require medical examinations provide many insurance opportunities, but nevertheless, clients should consider some important issues before buying a plan.

People have to be aware of the fact that life insurance policies are not issued to people older than a certain age. A seniors should not wait too much before getting a life insurance plan. Age plays an important factor in determining life insurance premiums and the younger a person is, the lower the premiums of a plan will be. Furthermore, as a person becomes older, he or she is more likely to develop various diseases, some of which can be terminal. A terminal disease significantly reduces the chances of getting life insurance for a senior.

There are different life insurance policies which do not require a medical examination and seniors should know what to choose. A simplified issue plan provides temporary coverage but requires applicants to answer 12 medical questions. In order to qualify, an applicant has to answer “no” to all the medical question. On the other hand, final expense insurance provides permanent coverage and only asks 4 questions, but premiums are more expensive and the death benefit is lower.

“There are many issues to consider when purchasing no medical exam life insurance! Seniors should be aware of them and well informed!” said Russell Rabichev, Marketing Director of Internet Marketing Company.

Online Insurance Marketplace is an online provider of life, home, health, and auto insurance quotes. It is unique in that this website does not simply stick to one kind of insurance carrier, but brings the clients the best deals from many different online insurance carriers. This way, clients have offers from multiple carriers all in one place, this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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