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I Want To Explain Why Working With A Company That Does Not Ask Health Questions Is Probably The Worst Way To Get A Final Expense Life Insurance Product
As an independent life insurance broker, I am shocked at the inadequate, inferior coverage offered by some life insurance companies. Many companies dangle the carrot in front of people by not asking health questions.
Of course, many people think that’s a good thing.
Here’s An Overview Of Today’s Topic:
Why not no-questions-asked insurance?
The most important thing is to work with an agent that will shop around at different companies. One of the things that all independent agents do is
look at a variety of different companies and ask health questions so as to determine which companies will offer the best price and the best value of coverage.
When you work with a no-questions-asked insurance company, you are pretty much setting yourself up to get the worst value of coverage available.
All companies that don’t ask health questions– such as Colonial Penn, Mutual of Omaha, MetLife– also don’t fully cover you from the first day. Meaning if you die from natural causes within the first two years, they only refund the money plus a very small amount of interest.
What’s the problem with this? Well, you’re not covered. What if something happens earlier than expected?
Burial Insurance Rates, Age 40 to 90*
Rates For $5,000 In Burial Insurance
Rates For $10,000 In Burial Insurance
Rates For $15,000 In Burial Insurance
Rates For $20,000 In Burial Insurance
Rates For $25,000 In Burial Insurance
*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.
What Should You Do?
What you want to do is work with a life insurance agent that represents different companies. He will shop around to find you the best deal and the best value for what you can afford.
In many circumstances, he can find 100% full coverage immediately by just asking a few simple health questions. It’s not always the case, but it’s always worth a try just to make sure that you can get the best plan available.
If you would like more information, feel free to call me or email me. I’ll be happy to provide you with a free, no-obligation quote.