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Life Insurance Quotes Online

August 28, 2012

Applying for Life Insurance Quotes Online

life insurance quotes online

When applying for life insurance quotes online, it’s important to provide information that is as complete and honest as possible. This will expedite the application process, eliminate surprises and ensure that you are provided with accurate quotes. Here are just a few of the reasons you should be honest and forthcoming when filling out your application.

 1. The Underwriters for your Life Insurance Quotes Online Will Review Your Medical Records

If you have a serious medical condition, you will not be able to hide it from the life insurance underwriters. They will request your medical records for review, and they might even talk to your doctor. Not only will it be exceedingly difficult to hide a well-documented problem, but the final rates you are offered through the underwriters will be higher.

2. Expect a Medical Exam When You Apply for Life Insurance Quotes Online

Applying for a life insurance policy online is very convenient, but you may still be required to submit to a medical exam. They will confirm your basic medical information like weight, height and blood pressure. They will draw blood for labwork.

you suspect that you have a serious illness and are trying to lock in good life insurance rates before you get a diagnosis, your plan might backfire on you. Your rates will be based partly on bloodwork that will probably reveal your undiagnosed medical condition. The rates you are then offered will be substantially higher than what you are initially quoted.

3. Honesty is the Best Policy to Secure Your Coverage

Some life insurance companies have clauses written in regarding coverage and the accuracy of your application. If they can prove that you have lied on an application, or misrepresented information, then you will be at risk for losing the coverage.

The best way to get a low life insurance premium is to apply for life insurance quotes online. The companies will be competing for your business, and they will offer the best possible rates. However, those rates will go up if they discover inaccuracies on your application. Protect your coverage and receive accurate information by being forthcoming with information on your application.

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