Cheapest life insurance in New Mexico

Reader question:

Can I get the cheapest life insurance in New Mexico online?

Sally

Thanks for asking, Sally.

I wouldn’t say that you could get the cheapest life insurance in New Mexico online, but that doesn’t mean you can’t get cheap online life insurance. By its nature, most online life insurance is for no exam policies, which tend to cost more, but there are other factors that come in to selling life insurance online which cause prices to drop.

One way that you can get the cheapest life insurance online in New Mexico is by seeking out a company which sells policies online and offers a discount to those who buy them there. Many companies do this as an incentive for customers to shop online, and so it’s a win win situation. The company saves money, and so do you.

But the most tried and true way to get the cheapest life insurance in New Mexico online is just to pull up as many quotes as you possibly can. Get quotes, write them down, and compare them.

take care,

Fashun

Smoker Life Insurance Rates in New Mexico

Reader question:

How can I get out of smoker life insurance rates in New Mexico?

Perry

Well, Perry,

Smoker life insurance rates in New Mexico are drawn from two things: how you answer the smoking question on your application for life insurance coverage, and what the test results of your urine sample come back as for your medical exam. Now, if you get a no exam policy, then the company is pretty much relying on your honor, but beyond that it isn’t so clear.

It’s generally a bad idea to try to get out of paying smoker life insurance rates in New Mexico, since if you get caught you could lose you benefits, which is a pretty bad situation to be in when you’re already dead and your family was waiting on them. But it is possible. All you have to do is be careful and refrain from smoking for three days or more before it’s time to go in for your physical.

If you manage to keep up the charade for 2 years, then you’re off the hook. Your life insurance company is no longer able to cancel your policy or deny you benefits even if you do get caught. But it’s a risky game to play.

take care,

Fashun

No exam life insurance rates in New Mexico

Reader question:

Are no exam life insurance rates in New Mexico lower than rates by companies that do medical exams?

Marta

Great question, Marta.

No exam life insurance rates in New Mexico have one thing in common–they’re inflated because they don’t take into account any kinds of medical conditions the policy holder has. By giving out policies without having a physical done on the client, companies are taking a huge risk. You could be ready to pop off the next day. Because of this risk, prices will naturally be much higher than they would for a normal policy, which is why if you are healthy you shouldn’t even think about getting a no exam policy, since you would just be wasting your money.

But if you have a serious condition, then it might be your only choice. For example, if you have recently gone into remission from cancer, or if you are HIV positive. In these cases, then a no exam policy could be your ticket to life insurance, and while it would be lying by omission to say that no exam life insurance rates in New Mexico are the best and the cheapest, they are certainly the only ones available to people in such situations. Of course, not all quotes will be the same, and you can still save money by shopping around and getting quotes from several sources.

take care,

Fashun