Insurance is shifting the risk to someone or something that is more likely to be able to handle the catastrophic event. People often insure their life through life insurance, their income through disability insurance, their business through business overhead insurance, etc.
One of the biggest problems with no exam life insurance is the price. The price point for no exam coverage tends to be much higher than other options. Here's the thing though, there are some ways you can get cheaper life insurance without the exam. Just because you're going to buy no exam life insurance doesn't mean you have to empty your piggy bank every month. Let's look at some of the ways you can chop down your rates and save your bank account. Cut the Smokes Even without the medical exam, the insurance company will want to know all about your [...]