9 Responses to “No Exam Life Insurance Rates”

1. kyle Says:
   August 10th, 2009 at 3:20 am

   It has been awhile since taking, but I believe there are 200 multiple choice questions. I believe the passing score is 75%. Took and passed all on the same day, 1st time. The Va P & C is much harder.

2. curiouscat Says:
   August 10th, 2009 at 3:30 am

   Try cutting starches and carbs, and drink water when you are feeling hungry. This will work for 10 pounds or less. Remember to not return to unhealthy habits you've developed up til now. Good luck with your new regime!

   FOR BREAKFAST:

   Half grapefruit or 8 oz. Glass of unsweetened grapefruit juice
   2 eggs: any style (fry your eggs in butter)
   2 slices of bacon
   1 cup of coffee or tea (black)
   FOR LUNCH:

   Half grapefruit or 8 oz. Glass of unsweetened grapefruit juice
   Meat, any style, or fish
   Salad with sugarless dressing
   1 cup of coffee or tea (black)
   FOR DINNER:

   Half grapefruit or 8 oz. Glass of unsweetened grapefruit juice
   Meat, any style, or fish (gravy must NOT be made with flour)
   Salad (as much as you can eat) with sugarless dressing
   Red, green or yellow vegetables, as much as you want (no potatoes or corn!!)
   1 cup of coffee or tea (black)
   FOR BEDTIME SNACK:

   Tomato juice or skimmed milk
   SPECIAL INSTRUCTIONS:

   Eat at each meal until you are full.
   Don't eliminate anything.
   Grapefruit is important; it starts the fat-burning process. 4. Only one cup of coffee per meal.
   No eating between meals.
   This diet eliminates all sugar & starch. (Fry your eggs in butter; do not use artificial sweeteners.)
   Use butter generously on vegetables.
   Eat until you are stuffed. The more you eat of the proper combination, the more weight you will lose.
   For best results, follow the diet directly.
   10 POUNDS: 10 DAYS …. You can lose 10 pounds in 10 days!

   Consult with your doctor before you start any new eating or exercise program.

   Bon Appetite and good luck Yahooligan!

3. MayMay Says:
   August 10th, 2009 at 4:27 am

   Can you get away with not telling the truth on your insurance nicotine test if you smoke?

   This is not the right thing to do, it is best to tell the truth on your insurance nicotine test. Although most evidence of nicotine or continine is excreted or removed from your system within 1-2 days (usually all signs are gone within 7 days except from your hair – they don't test your hair).

   The life insurance company can access information from the MIB – Medical Information Bureau from all member companies. In addition they ask you on the application. The application becomes part of the life insurance policy which is a legally binding contract. If you lie on the application you have misled the insurer, and perhaps committed fraud.

   What if the insurance company finds out you smoke?

   If the insurance nicotine test comes back positive for smoking the smoker life insurance company can either reject your application, offer you a revised rate for smoking, and/or notify the Medical Information Bureau to keep on file.

   What happens if they find out I smoke after my life insurance policy is in effect?

   First, there is a clause in your life insurance policy named the "Incontestable Clause". Incontestability means with respect to statements made in the application for coverage the life insurance policy cannot be contested after it has been in force for a specified period of time, usually two years.

   However, if the life insurance company finds out you smoke within the first two years of the policy they may either cancel the policy, adjust your rates to smokers rates and require payment of the difference in rates going back to the inception date or start of the policy.

   Can the life insurance company decline to pay my beneficiary if they find out I smoked after I have passed away?

   Again, this goes back to the issue of Incontestability. If you pass away within the first 2 years of taking out your life insurance policy and the cause was smoking-related such as lung cancer, emphysema or heart disease they may contest the policy. The insurer can decline to pay the life benefits to your beneficiary if they can prove you smoked.

   If you pass away more than 2 years after the start of your policy they may still fight the case and decline to pay if your death was smoking-related. It depends on the insurer's position on this issue and how soon after the 2 year period you passed away.

   Imagine taking out smoker life insurance and then your spouse and family receive no benefits (except for the premiums you paid the insurer, which may or may not be returned by the life insurance company after your death) when they need them most. If you prepare yourself and take the life insurance nicotine test and you pass its up to you.

   Just be aware of the effect of your decision and remember, when you answer a question on the application for a life insurance policy it does become a part of a legally binding contract.

   I hope that helps! Best of luck to you.

   P.S. If you want, you can look into getting Life Insurance with No Medical Exam and No tests for smoking – https://insurance.hsbcusa.com/quotal/simple-term-hsbc.cfm?AgentId=9200&mc_id=107TVXWFW

4. chris c Says:
   August 10th, 2009 at 8:10 pm

   Elvis is dead. Autopsy performed. Death certificate issued. A conspiracy of the magnitude described in the article would require the cooperation of an extraordinary number of people. It defies all reasonable logic to state otherwise.

5. Obama Hood - Spread the Wealth Says:
   August 10th, 2009 at 9:07 pm

   We need to deregulate all the markets. Government regulations are bad, period. That's what pushing business out of the country. No business, no jobs, unemployment, social support, your taxes go high. The market can handle by itself.
   We don't need the protection of the government, we can buy by ourselves and if things go wrong, we learn and move on.

6. Chainsaw On Idle Says:
   August 12th, 2009 at 11:23 pm

   i'm sorry about your situation..
   i think that you should just keep your mind and thoughts in today.
   think about how the animals have no concept of time….if you have made a mistake, then it is already behind you. think of how hard you are going to work to make this moment great. and i'm not talking about in the long run, because if you have big aspirations, and they don't follow through, or you get let down…then that only makes you more depressed.
   in no means am i saying that you are self centered, but to get your mind off how you feel and your depression, think of others. think of their behaviors and do not get mad whenever you think you have dissapointed them. try to explain to them your point of view, because if you think about things the way i said above, then you will have like no regrets.
   god bless, and i hope i could help.

7. Duchess Says:
   August 13th, 2009 at 1:47 am

   Well done by Christine R.
   You also need to know this plan is a Qualified High Deductible Health Plan which makes it HSA compatible. That means you can open a Health Savings Account and deposit up to $2,850 each year. The deposit is written off your taxes just like an IRA. If you spend the money on qualified expenses the account remains tax free. If you don't spend the money it remains in the account for future use. Qualified expenses include the decutible, dental, vision over the counter medications, etc.

   This plan has a lifetime benefit of $25 million most other individual plans cap at $5 million

   Michael,
   The HAS's actually cost me ( the broker) money. High deductible plans have lower premiums which = lower commission.
   The HSA bank account provides no benefit to the broker/agent and saves the insured hundreds if not thousands over traditional plans. I suggest you learn about HAS plans if you are going to comment on them. I woul dbe glad to run you a quote you can use to compare to health link.
   http://www.hsainsider.com/

8. sophia Says:
   August 13th, 2009 at 3:57 am

   you need other life insurance solution. Try this site

   http://free-best-life-insures-comparator-usa.blogspot.com/

   Here you can get quotes from different life insurance companies in your area, its the best way to find an affordable life insurance with a reliable company.

9. arklatexrat Says:
   August 13th, 2009 at 5:19 am

   I just went through the same thing with my brother. He had recently been diagnosed with cancer. I posted here and got some great responses. The company that helped us was located at http://www.lvhealthins.com Because of my brother's condition there is a two year waiting period before full benefit will be payable but it is with a great company and the people there at Insurance advisors were great to work with. They listened to our problem and were also able to help me with Health Insurance. It works out well that you are from Texas. They are based in Texas and Nevada. Good Luck

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