Reader question:

Are those Houston no exam life insurance things rip offs?

Lissa

Glad you asked.

Most of the time when a company makes a claim that they are offering Houston no exam life insurance, it should be looked on with distrust. However, that isn’t to say that all no medical exam companies are bad and that nobody can get a good, cheap deal on their life insurance without a physical.

Most of the time, there are a few limits to a Houston no exam life insurance policy.

• You must be young, usually under the age of 25 or 30.
• You can only get term life insurance with these, not universal life insurance.

Most young people don’t have health problems, and thus for many a physical doesn’t turn up anything bad, which is why many companies have found it profitable to offer no exam life insurance policies online. Being online also brings many customers for the convenience and immediate coverage.

take care,

Fashun