No Exam Life Insurance in Texas
Reader’s Question:
Hi. I’m from Dallas, Texas. I know it sounds stupid but I happen to have needle phobia, that’s why I hate going to hospitals. Because of this, I never tried to apply for a life insurance policy. I know I should get one because it’s all for my family but I’m really afraid to go through medical examinations! What should I do?
Lena
Dallas, Texas
No need to worry Lena!
It’s good that you acknowledge the fact that you do need to get life insurance, because you really do.
The thing is, you don’t have to worry about medical examinations because there are plenty of insurance companies that cater to clients who can’t get life insurances because of medical exams. These clients may have pre – existing medical conditions, may not have the time or may just simply be afraid of needles (in your case!).
These insurance policies are called no exam life insurance and a lot of insurance companies in Texas offer that. To plainly put it, it means getting life insurance without having to go through the trouble of medical examinations. This is applicable for people up to sixty – five years old.
It is of course a little more expensive than regular insurance policies, but paying extra should be worth it if you’ve been denied for life insurance lots of times due to medical exam results. One good thing that comes with the extra cost is that application process is really fast. All you have to do is fill up a questionnaire and you get your results in no time!
Although you don’t have to undergo physical examination, you will probably be asked a couple of questions about your health – so it’s wise not to cover anything up. If your insurance company finds out that you lied, then they might cancel your life insurance. Have fun and enjoy insurance shopping!
Smoker Life Insurance Houston Texas TX
Reader’s Question:
Hi, I’ve been smoking for a long time now and I don’t have plans of stopping – yet. I’ve have life insurance from a local life insurance company here Houston, Texas and I know that I don’t have to pay that much on premiums once I stop. Is there any other way for me, and for other smokers out there?
Gary
Houston, Texas
It’s a good thing you asked. You know why smokers have to pay higher premiums than non – smokers?
The thing is, it has been medically proven that smokers are prone to developing a lot of illnesses and complications because of the habit. Life insurance companies take that into consideration because smoking obviously leads to cancer, cardiovascular and heart disease. Because of that, smokers are deemed as high – risk. Thus explains your high insurance premium.
If you really can’t quit, I guess it’s best to try lessening the number of sticks that you’re smoking. Once you show proof that you don’t smoke as much – your insurance provider in might just give you a premium discount.
You also have another option. If you want to get a cheaper life insurance, then you can look at and compare all the insurance companies there are in Houston, Texas. This way, you can find the insurance company that has the cheapest plans. You can do this online by going through search engines like Google or yahoo. Or you can type in your zip code in the given space in this page!
There are always options on smoker life insurance for a smoker like you. If you want cheap smoker life insurance, then you can do a comprehensive research on all the available life insurance offers and plans for smokers. You can start off by searching online. You can use the search engines like yahoo or Google, or you can simply plug in your zip code on the space relevant located in this page.
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