Are the premiums higher if you buy life insurance without going through any medical underwriting such as bloodwork or a medical examination? The answer is no. Without the traditional underwriting process, you can obtain the best life insurance policy online. That means the best rates and the best type of policies apply. Accelerated underwriting does not mean guaranteed issue for which there are higher premiums. The insurance company is still underwriting each individual risk. Some life insurance companies are leading the way by using information they believe is better. Life insurance exam.
Although this may be counter-intuitive, you do not pay more. Buying life insurance online is not “buying direct” from the insurance company either. Life insurance companies do not sell policies direct to consumers. They sell only through licensed insurance agents, without exception. Some insurance companies tried going direct, without success. Life insurance is sold, not bought.
Behind every online site selling life insurance, there is a licensed life insurance agent. For every sale, the insurance company pays a commission to the licensed agent named in your application. You may not realize a life insurance agent is writing the policy, but in fact, it is required by law. Some of these online agencies are hoping consumers believe there is an advantage in going “direct” and cutting out agents. It helps to know that online sites are no different than any other insurance agents.
Discount life insurance
Why It Matters.
Now that you know there is an agent getting paid a reasonable, non-negotiable commission, you want to always get the help and guidance built into the pricing of the policy. The insurance companies want educated consumers. When life insurance buyers may be under an incorrect assumption about “going direct”
State of the Art.
In conclusion, you can now purchase the best life insurance policy online, without hassle or aggravation. We get it done WITHOUT A MEDICAL EXAM, without lab tests (non blood or urine) or face-to-face visits, if that is what you prefer. The maximum is $5,000,000 per person and we have companies that write up to age 65. The whole process can be done within an hour of approval.
Contact us for a quote to apply and buy. Reach Ted Bernstein at 561-771-4647 or by email. We are close. People often search for “life insurance near me” or “life insurance agent near me” and we are one of the results. Online, we’re all close for business purposes. It truly is one of the great benefits of the Internet. Check out our 5 Star rating on Google or on our testimonial page.