No Medical Exam Life Insurance | How to Skip the Exam & Get the Lowest Rates in 2025 + YouTube Video No medical exam life insurance is a type of policy that allows individuals to obtain coverage without undergoing a physical examination as part of the application process. Instead of relying on the results of a medical exam and records from your doctor’s office. Insurance carriers use other data points such as your medical history, prescription records, or answers to health-related questions in order to assess your eligibility and determine your coverage options. This makes the process quicker and more …

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Flat Extra Fees for Life Insurance: What Are They & How Do They Work in 2025 + YouTube Video Flat extra fees for life insurance: what are they and what do they do? Just about all of us who have purchased life insurance at one time or another fully understand the concept of having a premium to pay each year. Flat extra fees are most commonly used when a life insurance applicant is involved in a hazardous sport or hobby. Many people don’t realize that your health history, height & weight, tobacco use, and other specific information about you can …

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Life Insurance Procrastination & the Cost of Waiting to Apply in 2025 + YouTube Video How to avoid costly life insurance procrastination is a lesson most people need to learn more about. A significant number of consumers who have bought life insurance in the past have postponed applying for it, resulting in higher premiums or no coverage at all. When it comes to buying life insurance, time is money. So the question of why people procrastinate when considering purchasing life insurance for their family has been a subject of interest since life insurance was first introduced. According to modern statistics, …

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