(PRWEB) November 17, 2013
There is a tight connection between life insurance and alcohol consumption and clients should be aware of it before purchasing life insurance. Although a casual drink will not affect life insurance premiums, excessive drinking for long periods of time will lower the life insurance rates, which means higher premiums. Alcohol is linked with various diseases and agencies consider heavy drinkers a liability because they can die of different diseases. Alcoholism can prevent people from getting a life insurance plan. Recovering alcoholics, however, can get a policy if they provide proof of their recovery (attending AA meetings, following proper medication, attending other support groups). This does not mean though that their rates will not be affected.
No medical exam life insurance provides better insurance opportunities for heavy drinkers and recovering alcoholics. These policies have a simplified underwriting process: in order to be eligible for coverage, an applicant has to complete a medical questionnaire. There are two types of no medical exam life insurance: simplified issue and last expenses. Both of these policies do not ask for any physicals and they are issued in less than 24 hours.
People who have pre-existing conditions can find good life coverage by applying for a simplified issue or final expense life insurance plan. However, these types of plans are new on the market, so customers should do some research and compare as many quotes as possible.
“People with a history of alcoholism can get good life insurance by applying for a no medical exam life insurance policy! Clients are encouraged to search and compare quotes before selecting a plan,” said Russell Rabichev, Marketing Director of Internet Marketing Company.
Online Insurance Marketplace is an online provider of life, home, health, and auto insurance quotes. It is unique in that this website does not simply stick to one kind of insurance carrier, but brings the clients the best deals from many different online insurance carriers. This way, clients have offers from multiple carriers all in one place, this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.
For more information, please visit http://www.nomedexamlifeinsurance.com.