Life Insurance On My Uncle?

Can I buy a life insurance policy on my Uncle?

I would like to know if I can take out a life insurance policy on my Uncle to cover the cost of his funeral.

Yes, you may be able to buy funeral insurance on your uncle.

In order to buy life insurance on someone else there must exist "Insurable Interest" between the buyer of the life insurance policy and the insured person.

There does exist insurable interest between spouse's, parents and children, siblings, and family members. Also, there exists insurable interest between a person who provides financial support for another person and that person they are supporting.

You may need your uncle's permission and cooperation in order to buy the funeral insurance policy.

He would have to be aware of the policy and sign as the insured person on the life insurance policy. He may also need to answer some health questions.

Here's how you may purchase up to $30,000 of simplified life insurance from Globe Life Insurance with no medical exam required. The proceeds can help you pay for the funeral expenses for your uncle.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Life Insurance with Liberty Life Insurance?

What life insurance does Liberty Life offer and where can I get coverage from them?

Liberty Life Insurance offers a simplified life insurance policy allowing you to get a quote, apply online, and qualify for life insurance the same day.

Liberty Life can provide you with up to $250,000 of term life insurance protection for your family.

There's no physical exam required in order to qualify for a policy, just a few health questions to answer.

In fact, if you qualify, you may start your life insurance coverage in as little as 15 minutes.

Liberty Life offers one of the fastest and easiest life insurance policies online.

And, if you don't like your policy you can return it for a full refund within 31 days.

Here's how to get Liberty Life Insurance online today and start protecting the ones you love.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Why Buy Life Insurance for Children?

Why should parents buy life insurance policies on their children.

There are a few basic reasons parents might want to purchase child life insurance plans for their kids.

Among the more common reasons are the following:

1. To pay for any final expenses such as the burial, casket, and memorial service if their child passes away.

2. To grow cash value inside the life insurance policy which may be used by your child in the future.

3. To provide guaranteed life insurance protection for your child when they get older and have their own family.

4. Some Child life insurance plans may offer your child the option of increasing their life insurance coverage when they reach age 18, 21, or 25 - no matter what their health or occupation.

Here's how you can learn more and compare plans and quotes for life insurance for your children from a leading life insurance company.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Mortgage Insurance without Taking a Physical Exam?

Is it possible to buy life insurance to protect my mortgage without having to take any physical examination to qualify?

This is a question many homeowners may ask themselves when considering life insurance protection for their home mortgage.

In fact, many insurance companies do not require you to take a medical exam to qualify for mortgage insurance.

However, the amount of coverage available and the rates you pay will vary by insurer.

So, how much coverage can you get to help pay off your mortgage loan if you pass away?

The amount will vary by company, but some insurers offer as much as $500,000 of life insurance coverage without any exams, just a few health questions.

How many years can you get coverage with no exam? Well, it's mostly term life insurance that is available, which means you will probably be offered coverage for a term, or period, of 10, 15, 20, or 30 years - depending on how old you are now.

That means, you may be able to qualify for up to $500,000 of term life insurance with no exam with coverage for up to 30 years.

Learn more about mortgage insurance no physical exam required.





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Term Life Insurance No Medical Exam Required

What is term life insurance with no medical exam and where can I buy a policy?

Term life with no exams is a type of temporary life insurance policy that provides protection for a specific number of years.

Usually you can buy a term policy for a term, or period, of 10, 15, 20, or 30 years.

This means that you have coverage, or life insurance protection, for that time period.

When applying for the policy you do not have to take any physical exam, blood test, or urine test, in order to qualify for the coverage. But there are a few health questions you may need to answer.

How long does it take? Well, you may be able to find out within a matter of minutes i you qualify for the life insurance with no exam.

Once you are approved, you can start your life insurance policy the same day. And, there's usually a free look period which acts like a money-back guarantee, providing you the chance to return the policy within a certain period of time for a full refund if you are not satisfied.

How much life insurance can you buy without an exam? That depends on your age, health, and the insurance company.

However, some insurers offer up to $500,000 of term life insurance no medical exam required.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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What is No Exam Life Insurance?

What is life insurance with no exam and how does it work?

Life insurance no exam coverage is a type of life insurance plan that offers you a simplified application process.

There's no physical exam required to qualify for no exam life insurance. Yes, there are a few health questions.

Your approval is based on the answers to your health questions.

You can get a quote, apply online and find out usually within minutes, if you are approved. Once approved, you may be able to start your life insurance policy the same day.

What are the drawbacks to no exam life insurance?

The rates are usually higher than you would pay for a life insurance policy requiring you to take a medical exam.

And, the amount of life insurance offered may be limited to $500,000 or less, depending on the insurance company, your age and health.

Life insurance with no medical exam offers you the option of buying life insurance protection for your family with no physical exam, no blood test, and no urine tests.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Is Globe a Good Company to Buy Life Insurance From?

Is Globe Life Insurance a good company to buy life insurance from?

Globe Life and Accident Insurance Company seems to be a good, sound financially secure life insurance company.

Globe Life has been issuing life insurance in America since 1951.


They are rated A+ (Superior) by AM best Company, an independent financial rating agency. This rating may indicate that Globe life is financial stable, and able to meet their financial obligations, and pay their claims.

Globe Life Insurance specializes in two products - guaranteed issue life insurance policies and child life insurance policies.

Although the rates you pay may not be the cheapest available, the company is a strong, solid, reputable company.

However, Globe Life does offer up to $30,000 of simplified life insurance for people age 78 and under, with no medical exam required. So, you may be able to buy life insurance for you and your spouse without taking a physical.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Burial Insurance without a Physical Exam Requied?

Can you buy a burial insurance policy online without any physical exam required?

Yes, there are insurers that offer burial insurance coverage without any physical exams.

Actually, most insurers offering small life insurance policies are burial insurance coverage do not require any medical exam to qualify for a policy.

Most burial insurance plans offer a simplified application process which only takes a matter of minutes and you can apply online for your policy.

There's usually no health exam, but maybe a few health questions, to find out if you qualify for coverage.

One insurance company offering these types of plans is Globe Life.

Globe Life Insurance offers simplified life insurance without any medical exam. People age 78 and under may buy up to $30,000 of of coverage.

Here's how you can learn more about no physical exam burial insurance and get your free quote today.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.





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10 Year Term Life Insurance Policy Explained

How does a 10 year term life policy work?

After paying each month for 10 years for a $100,000 policy - how does it work?

With a ten year term life insurance policy you pay your premiums for 10 years.

If you don't die within those 10 years, you get no money back.

Term life insurance is much cheaper than Whole life, because it is temporary and provides only life insurance protection.

Whole life insurance never expires but it usually costs a lot more.

You never get to use the money you pay into a term life insurance policy.

A 10 year term life insurance policy provides temporary coverage for 10 years. if you die during the term of your policy your beneficiary receives the proceeds, usually free from federal income tax.

If you need life insurance for more than 10 years, you may want to consider a 15, 20, or 30 year term life policy that offers guaranteed level rates and coverage for that period of time.

Here's how you can compare free term life insurance quotes online from over 70 leading insurers for savings up to 75%.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.





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Life Insurance or Funeral Insurance?

WHAT IS BEST LIFE INSURANCE OR FUNERAL INSURANCE?

Life insurance is better if your young and need more life insurance than just $5,0000-$10,000 to pay for your final expenses.

Funeral insurance may be better if you are much older or have health problems.

Many people over 50 choose a funeral insurance plan with about $10,000 of life insurance protection to help provide the funds needed to pay for their final expenses, such as, burial, casket, funeral, headstone, and other related costs.

Whereas, people who may be younger and have more of a need for life insurance might choose a term life insurance policy with coverage for 30 years or less.

Term life insurance offers you the most life insurance protection at the lowest price, for 1-30 years.

So, if you are under 60 and have a family, a home, and maybe children you are responsible for, you may want to get term life insurance to help provide money for them if you pass away.

Here's how you can learn more about term life insurance and funeral insurance to help you make your decision on the right coverage for you.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.





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How Many Life Insurance Policies?

How many life insurance policies can you own?

Currently there is no limit to the number of life insurance policies you can buy.

How can that be? Well, the insurance companies are concerned about the total amount of life insurance you have, not necessarily the number of policies.

Why? Because they don't want you to be over-insured - meaning you are worth a lot more dead than alive.

The insurance application asks you whether you already have life insurance coverage, and how much you own. Make sure you answer all questions on the life insurance application truthfully.

Why is it you can own more than one life insurance policy? Because, over time you may have a greater need for life insurance.

For instance, if you get married, have a child, and buy a home, you may need more life insurance to protect your family and pay off your home if you should die.

Want to learn more? Here's an article on "How many life insurance policies can you have?"

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.





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Life Insurance for Partners?

Me and my partner would like to get life insurance.

I'm 22 and my partner is 50. We don't know where to start. We don't 100% understand how it all works or what companies are the best.

There's no one "best" life insurance company. However, each year there is a list issued by the Insurance Information Institute that indicates the leading life insurance carriers - It's called the Top 10 life insurance companies.

You start, by writing down exactly what you want the life insurance coverage to do for you.

Then you do some research online to better understand how life insurance works and how much life insurance you need.

To find out how much life insurance might be right for you, there's a free life insurance calculator you can use to quickly and accurately determine how much life insurance to get.

Then you can compare free life insurance quotes online and find the lowest rates for coverage from several highly-rated life insurers.

There's even term life insurance with no exam required, in case you don't want to have to take any physical exam, blood or urine tests to qualify for coverage.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Learn about Term Life Insurance Online

What is term life insurance and where can I learn about term life insurance online?

Term life insurance is a type of life insurance coverage that provides protection for a certain period of time, usually from 1-30 years.

Term life offers temporary coverage and if you outlive the term of your policy, your life insurance expires.

Term life plans usually offer coverage for a period of 10, 15, 20, or 30 years, and build no cash value inside the policy.

Term life is not an investment, but pure life insurance protection.

It usually costs a lot less than permanent life insurance, meaning you can afford a lot more term life insurance for the same money.

Learn more about term life insurance online online today.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Can I Take Out Life Insurance On My Mom?

Can I take out life insurance on my mom and if so, how and where do I find life insurance for her?

My father has passed away and I am worried I won't have the money to pay for my mom;s funeral.

How and where can I find life insurance for her, and is it possible for me to buy life insurance on my mother?

Yes, you may be able to purchase life insurance for your mom.

It depends on her age and health, and the insurance company.

However, you will probably need your mother's permission and cooperation to buy a life insurance policy insuring her life.

The life insurance company may require her signature and a medical exam.

However, there are companies that offer senior no exam life insurance policies you can apply for online.

Mutual of Omaha and Globe Life Insurance are two companies that write this type of policy.

Make sure to request and compare rates and plans before choosing a life insurance policy for your mom.

In order to find the lowest prices you may want to compare free life insurance quotes online before choosing the plan that offers you the life insurance your mom needs at an affordable premium.

Why Buy Level Term Life Insurance?

Why should someone purchase a level term life insurance plan?

If you're looking for term insurance, level term may be one of the options for you to consider.

Why? Because, level term offers several benefits the others may not.

Level term life insurance provides the following:

Guaranteed level rates for 10, 15, 20, or 30 years.

Guaranteed level coverage amounts for the entire term of your policy.

The lowest rates for term insurance.

Basically, level term offers the most life insurance at the lowest price for a specified period of time.

Many families and people on a budget choose level term insurance because they get the best value for their money.

It can provide you with low rates for 20 or 30 years to provide protection for your family, children's' education, mortgage, or other short term life insurance needs.

Get your free level term life insurance quotes and compare plans online today.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



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Have You Been Denied for Life Insurance?

What are some life insurance companies that will insure you if you are denied by a different life insurance company?

Depending on your age and health, you may have a few options available to you:

1. If you want a $100,000 policy, and you're willing to pay a lot of money (for instance, $110,000 for it, you may be able to work something out). Here's how you can request free life insurance quotes online from several insurers to help you find out which may offer you coverage, and at what price.

2. You may be able to get a "Guaranteed Issue" life insurance policy, if you are age 78 or under, through a company like Globe Life Insurance or United of Omaha. They are low value life insurance policies - like $10,000-$30,000 - and you may have to live and pay in, at least two full years before dying, to get the full death payout from the life insurance policy.

3. Accidental Death Life Insurance offers guaranteed approval with no medical exams for people of certain ages, for example ages 50-75, depending on the carrier. Here's how you can request your free accidental death insurance quote online.







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Do You Need Life Insurance and In Bad Health?

I need life insurance but am in bad health?

Depending on your age and health, you may have a couple options:

1. If money is no object, you can find someone to give you life insurance. It might cost more than the payout, if you're in bad enough shape. So, if you want a $100,000 policy, and you're willing to pay $110,000 for it, you could work that out. Here's how you can request free life insurance quotes

2. You may be able to get a "guaranteed issue" life insurance policy, if you're 78 or under, through a company like Globe Life or Mutual of Omaha. Now, they're low value policies - like $10,000 - and you may have to live and pay in, at least two full years before dying, to get the death payout.

3. Accidental Death insurance offers guaranteed acceptance with no medical exams for people of certain ages, depending on the carrier. Here's how you can request an accidental death insurance quote online.







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Life Insurance for Diabetes

Are you living with diabetes? If so, you may find it difficult to purchase life insurance to protect your family's future.

Here's a helpful video that explains life insurance for diabetics and some things to consider when searching for coverage.

Please click on the arrow to watch the video now:



Now that you know what may be asked of you about your diabetes, here's a helpful article that explains life insurance for diabetes and offers you free quotes online.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.





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Compare Free Life Term Insurance Quotes Online

How can I get free life term insurance quote comparisons to help me find the best prices for life insurance?

If you have a few minutes, you can compare quotes on the internet. It's just a matter of finding a life insurance website with access to a large network of leading life insurers so you can compare low rate quotes.

Once you find the website for quotes, you just fill out a form, and you receive up to 12 of the lowest rate quotes for term life insurance several highly-rated life insurance companies.

There's no delays and no sales pressure, and if you like your quotes you can request an application for life insurance coverage. or, you can get your questions answered before pursuing the coverage.

One of the best things about comparing plans and prices online is that you may save money. And, you can compare rates anytime of day from your home or office.

Here's how to get your free life term insurance quotes online.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.





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Life Insurance and Mortgage Protection?

Is life insurance good for mortgage protection?

If you are the primary bread-winner in your family and you carry a mortgage on your home, it is important that you consider protecting your family in the event that something bad were to happen to you.

Life insurance can be purchased to help your family pay off your mortgage loan in case you die.

Many young families choose 20 or 30 year level term life insurance to provide the money needed to pay off the mortgage in case they pass away unexpectedly.

Mortgage term life insurance offers an easy and affordable way for families to provide financial security and protect the future for their family.

Learn how you can compare mortgage life insurance plans and quotes online today.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.






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Can I Buy Life Insurance Policy On-Line without Medical Test?

Is it possible for me to buy a life insurance policy online without taking any medical tests?

Yes, there are insurance companies willing to offer life insurance over the internet, without requiring any medical testing.

Some insurers which offer no medical test life insurance include RBC, Liberty Life, HSBC, Gerber Life, Garden State Life and Globe Life Insurance.

When you buy life insurance on-line, you may be paying more for coverage that does not require a physical exam, than you would if you took a physical.

Also, the amount of life insurance available to purchase on the internet without an exam may be limited to about $500,000 depending on the insurer, your age and health.

There are usually a few health questions asked when you apply for life insurance online without a medical exam.

Here's how you may qualify to buy term life insurance on-line without nay medical tests.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.





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RBC Insurance Rating Affirmed by AM Best

Source: Insurace Executive

A.M. Best Co. has affirmed the financial strength rating and issuer credit ratings of the life/health companies under RBC Insurance Group, the rating agency said Tuesday.

The firm said that the ratings for its Canadian life insurance subsidiary, RBC Life Insurance Co., “reflect its strong risk-adjusted capitalization, generally increasing premium trends, as well as the overall strength and stability of RBC Insurance”. It notes that RBC Life “maintains a significant market position in the individual living benefits and group long-term disability insurance markets”, and that it has recently focused on growing its individual life segments, primarily through the sale of universal and term life insurance. Read entire article

RBC Insurance is the brand name for Liberty Life Insurance Company, a part of the global insurance operations of
Royal Bank of Canada.

A.M. Best has been recognized as a leading firm in analyzing the financial strength of insurance companies since 1899. Ratings are based on its current opinion of a company's financial ability to meet its obligations to policyholders. "A" is the third highest of 16 ratings and is assigned to companies Best believes demonstrate excellent overall performance.

A.M. Best Co. has affirmed the financial strength rating of A (Excellent) and issuer credit ratings of “a” of the life/health members of RBC Insurance Group (RBC Insurance): RBC Life Insurance Company (RBC Life) (Mississauga, Ontario) and its U.S. life insurance entity, Liberty Life Insurance Company (Liberty Life) (Greenville, SC). The outlook for all ratings is stable.

RBC Insurance offers RBC Express Term life insurance. You may purchase up to $250,000 of term life insurance online in 15 minutes with no medical exam required.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.





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Life Insurance for Young Couple with a Baby?

How much would it be to buy life insurance for a young couple with a baby?

That depends on the type and amount of life insurance you buy.

Premiums do vary by insurance company based on your underwriting risk factors, which include, your age, gender, hobbies, occupation, health, family health history, driving record, height-to-weight ratio, and other factors.

The younger and healthier you are when you buy your life insurance, the lower your rate will be for the policies.

You can contact a local licensed life insurance agent to assist you in finding life insurance, or you can compare plans and prices on the internet.

Many young couples choose term life insurance because it usually offers the most life insurance coverage at the lowest price.

Term life insurance offers coverage for 10, 15, 20, or 30 years. If you die during the term of your policy, your beneficiary receives the proceeds from the life insurance policy.

If you outlive the term of your policy, the life insurance coverage expires.

You may want to consider a 20 or 30 year term life policy for you both of you.

Here's how you can compare the lowest quotes for term life insurance from over 70 top-rated life insurance companies in just minutes.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.





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Best Life Insurance Company?

What is the best life insurance company for the money?

I am 60 and looking for the best life insurance for my money.

When it comes to choosing the best life insurance company, no matter what your age, you may want to consider your goal for your life insurance policy - Is it to pay your final expenses, leave money to the family, pay off outstanding debt, etc.?

Also, you'll want to consider how much life insurance you need, for what period of time, and what you can afford to pay.

There are several companies that offer life insurance for people age 60 and over. The price you pay and amount you can buy will vary by insurer, and depend on your age and health.

There are whole life plans that offer lifetime coverage but cost more.

There are term life plans that offer temporary coverage for 1-20 years and usually cost less than whole life insurance.

There are also senior no exam life insurance plans that usually cost more and offer a limited amount of life insurance, but if you have been declined, or are finding it difficult to get life insurance, you may want to consider this type of policy.

One way to find affordable life insurance at age 60 is to contact a local licensed life insurance agent to help you compare plans and premiums.

Also, you can review life insurance for people over 60 plans, rates and companies on the internet to learn more and request your free life insurance quotes.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.





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Comparing Best Term Life Insurance Premiums

What are some tips for finding the best term life insurance premiums?

When comparing life insurance premiums for term insurance you can consider the following tips which may help you save some time and money on your life insurance policy:

1. Choose a term for your policy - term life plans are usually available for 10, 15, 20, or 30 years of coverage. If you only need 10 years of protection, why choose 20 year term, since you will pay a higher rate?

2. Consider how much life insurance you need - use a life insurance calculator to help you decide how much coverage to buy. You don't want to pay for life insurance you don;t need.

3. Compare Rates - life insurance rates will be different between insurers because each insurance company has their own set of rating guidelines and what the will charge you for coverage. That means you may save some money by comparing prices between several companies before choosing a policy.

To learn more tips read this article on how to get the best term life insurance premium.

You can request free term life insurance quotes and compare the lowest prices from over 70 top-rated life insurance companies.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.





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What is an Instant Issue Life Insurance Policy?

What is instant issue life insurance and how can I buy instant life insurance coverage online?

Instant issue life insurance is just as it sounds - it's a life insurance policy that is issued the same day.

How does it work? You get a quote, apply online, answer some health questions, the insurance company decides if you qualify for coverage, and if approved, you can pay for your life insurance using a credit card and start your coverage the same day.

Usually, these types of policies may cost more because there are no medical exams required, just a few health questions.

In addition, the amount of life insurance available may be limited to $500,000 or less, depending on your age, your health, and the insurance company.

Some people choose to purchase instant issue life insurance because it can be a quick and easy way to buy life insurance, instead of meeting with an agent, taking a physical exam, and waiting up to 4-6 weeks for your life insurance policy.

Instant issue life insurance plans offer you the chance to start protecting your family's financial future starting today.

Here's how to get an instant issue life insurance policy quote and find out if you qualify.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.





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What Life Insurance Companies Don't Require A Physical Exam?

What life insurance companies don't require you to take a physical exam to qualify for coverage?

My mother needs to get life insurance, but doesn't want to get a physical exam.

Are there any life insurance companies out there that you don't need to get an exam to buy a policy?

Yes, there are insurance companies that do not require a physical.

However, the premium may be higher than if you get life insurance from an insurer requiring a medical exam.

Also, the amount of life insurance available may be less than offered by a carrier requiring a physical.

However, the following insurance companies may offer life insurance without any medical exam:

Liberty Life Insurance Company, RBC Insurance, Gerber Life, Stonebridge Life, Garden State Life, HSBC, and Globe Life and Accident Insurance Company.

Life insurance companies no exams required offer a simplified life insurance application, usually requiring only a few health questions, and no physical, no blood or urine tests.

Each carrier has their own set of underwriting guidelines as to who they will accept based on age, health, and other factors.

That's why you may want to compare plans and prices from a few insurers before choosing a policy.

Here's an article with reviews of life insurance no medical exam companies to help you learn more and choose a policy that meets your needs.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.





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Life Insurance and Nicotine?

Will nicotine show up in my urine or blood if I stop smoking 3 days before my life insurance nicotine test?

Yes, the nicotine may show up for months after you quit smoking.

Always answer the life insurance application questions truthfully.

Lying on your application may result in a life insurance claim being denied if you die as a result smoking when you said you didn't smoke. This may be considered a material misrepresentation.

If your test does show up positive for nicotine, you will have your policy re-rated and the premiums will likely be higher than you have already been quoted.

Usually, nicotine will stay in your system for at least 30 days, but it depends on the test they are performing. Hair follicle testing may show positive results months after you quit.

There are term life insurance no exam policies that do not require a physical exam, blood or urine test.

You can learn more by reading this article on Insurance Nicotine Tests.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.




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