No Exam Life Insurance

6. In the past 2 years have you been hospitalized or evaluated in an emergency room or immediate care center for a chronic illness requiring ongoing treatment or care by a physician: OR have you participated in any hazardous activities or extreme sports?

7. Have you, within the past 5 years, been convicted of or pled guilty or no contest to a felony, misdemeanor, reckless driving or DUI or DWI; or been incarcerated or served in a probation or parole program or do you have criminal charges pending?

How Will They Know If I Don’t Tell the Truth?

Lying or withholding information when you apply for life insurance is very unwise.  Insurance companies have the right to perform a full and complete investigation should you die within the first 2 years of being issued the policy.  They can easily deny your claim and refuse to pay benefits if you have not told the truth.

Also, all insurance companies routinely search certain data bases such as the Medical Information Bureau MIB), and the Rx (Prescriptions) and MVR (Motor Vehicle Records).

You always want to talk to an independent agent like myself.

We can access and research dozens of companies so you are assured we will find the best policy at the most affordable rates. If you have health concerns, don’t let that dissuade you because we can give you valuable advice and help you to find a policy that suits you.

Whatever your needs or questions then please call me direct at 877 – 966 – 9383.