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Term life insurance no medical exam

Term life insurance with no medical exam is a convenient choice for many, but might cost more because the mortality risk must be shared across all of the policies. In other words, the insurance company doesn’t know who is healthy or not, so they average the cost.

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Term life insurance no medical exam

 

There are advantages and disadvantages to both types of coverage. The advantage in having a medical exam is that it often saves you money on your policy. With an accurate health profile, the insurance company can place you in the appropriate rate class, and charge you according to your actual health situation. Term life insurance with no medical exam is a convenient choice for many, but might cost more because the mortality risk must be shared across all of the policies. In other words, the insurance company doesn’t know who is healthy or not, so they average the cost.

There are many things that need to be weighed when you select a California life insurance. For a free consultation today call us at 888-202-9441 or email us at admin@ezhealthinsuranceca.com.

 

Please visit our offical life insurance site here Term Life Insurance