No Exam Life Insurance

Reader’s Question:

If I don’t want to undergo a medical exam for a life insurance application here in Washington, does that mean I can’t get covered?

Anna

Tacoma, WA

If you think that you can’t get life insurance because you don’t want to take a medical exam, then you may be surprised that there is a totally simple plan available for those who want to have affordable life insurance without taking a medical examination.

Certainly, this is good news for a lot of consumers who think that they are left out of the rigorous terms and conditions of better life insurance plans, normally requiring thorough health examinations and medical reports to be eligible for sufficient life insurance coverage. However, because of the revisions done by various A-rated life insurance companies today, there is life insurance no exam available for those who don’t want to undergo medical examinations as a requirement to be eligible for a life insurance policy. Therefore, life insurance no exam would only ask you to answer certain health questions and this process can be done online. In a span of a few minutes, you can finish this method, thus saving yourself some effort and time normally eaten up by doing these things through a live person in a life insurance agency in Washington.

If you just visit a Website of an online life insurance company, you don’t have to undertake a medical test as required before; however, this is just a privilege available to consumers opting to have short-term life insurance policy. A benefit from this kind of life insurance policy is that it is easy, reasonably priced and quick to purchase.

What Affects Your Washington Auto Insurance Rates?

Reader’s Question:

I know that Washington auto insurance rates vary. What I’m curious about is what affect insurance rates here?

Michael

Olympia, WA

There are many factors that set a person’s Washington auto insurance rates. According to the Washington State of the Insurance Commissioner website, here are these factors:

• Age. According to statistics, drivers who are under the age of 25 are involved in more accidents than those who are 25 – 65 years old.
• Sex. Believe it or not but according to studies, male drivers who are under 25 years of age are involved in more accidents and they do pay more in their auto insurance rates.
• Marital status. According to statistics, single drivers have more accidents as compared to married couples.
• Vehicle. In most cases, the more expensive your vehicle is, the higher your auto insurance rates will be.
• Location. The crime rate where you live affects your insurance rates. So living in an area where crime rates are low would be good since you can get lower insurance rates for that.
• Driving Miles. The higher your annual driving miles, the higher your insurance rates may be.
• Credit History. Your credit score also partly determines your insurance rates. If you have good credit score then you may just get better auto insurance rates.
• Driving record. The better your driving records, the lower your insurance rates may be.

Those are the known factors that affect your Washington auto insurance rates. Remember, each auto insurance company follows various guidelines in determining a person’s insurance rates. But knowing and understanding those factors could help you get lower insurance rates.