Reader question:

Are no exam life insurance quotes in Arizona cheaper than quotes with an exam?

Marian

Excellent question, Marian.

You know, there are a lot of perfectly healthy, or only slightly unhealthy, people who look up no exam life insurance quotes in Arizona just because they THINK that, if they undergo a physical, they will be charged ridiculously high rates. The sad thing is that this is mostly paranoia, and these people have no reason to fear. A simple knack for breaking your leg, occasional drinking habit, a few extra pounds, and so on, aren’t going to get you the highest rates available.

No exam life insurance quotes in Arizona, however, will. These policies are for the people who have the worst of the worst. People recovering from cancer or who have had strokes and heart attacks. People who have no options for buying insurance elsewhere. If you have options, take advantage of them. It is rare if ever that a no exam policy is cheaper than a regular policy. However, if you have a condition that disqualifies you from most policies, then by all means, go ahead. Just make sure you shop around and get the best no exam quotes.

take care,

Fashun

Reader question:

What is the best way to get cheap term life insurance in Arizona?

Micah

Thanks for asking, Micah.

I like to advise people to, instead of trying to buy cheap term life insurance in Arizona through a broker, to either go to a financial advisor and do so or go directly to the life insurance company. When you buy your life insurance through a broker, then you’re going to have several problems. First of all, brokers only work for a certain amount of companies, so you’re going to get a limited number of quotes. Second of all, and most importantly, there are a lot of hidden charges that come with going through a broker. Not only will the broker charge you a broker fee, but your life insurance company will also charge you more, since they have to pay the broker a commission.

If you buy directly from the company, then you don’t have to deal with any of that. You can look up quotes for cheap term life insurance in Arizona online, and it’s just as good as going through a broker. If you go through a fiancial advisor, they find the quotes for you, and you only have to pay them a small fee, no commission.

take care,

Fashun