(PRWEB) November 20, 2013
Finding life insurance for seniors is a lot more difficult if the person suffers from obesity. Since obesity is linked to a number of terminal diseases, among which heart disorders are the main problem, it will increase life insurance premiums and affect eligibility. Agencies will not insure people who are in danger of losing their lives in the near future. If the insured dies to soon, the agency will lose a lot of money on proceedings. The biggest obstacle obese seniors have when applying for a life insurance policy is the medical examination. Traditional policies all require medical examinations to be taken. During these physicals, many details about the applicant’s health condition are revealed and some information can hurt the eligibility.
It seems that the best way to get life insurance for obese people is to skip the medical examination process. This is possible. There are policies that do not require a medical examination in order to offer coverage. Such plans include: simplified issue, final expense, guaranteed issue. Obese seniors can apply for one of these policies to get life insurance. Since they do not require a medical examination, the underwriting process is simplified: the applicant has to complete a medical questionnaire. For final expense and guaranteed issue, obesity is not even a concern, as there are no questions about it on the application form. It is important though, not to have heart problems or other terminal diseases.
Since it is harder to find affordable life insurance for seniors suffering of obesity, people are encouraged to search and compare quotes. The easiest way to do this is by using the services provided by Online Insurance Marketplace which enables people to search and compare quotes from several agencies on a single website.
“Seniors who suffer from obesity have higher chances of getting life coverage by applying for a no medical exam life insurance policy. They should compare quotes from different agencies in order to find affordable rates,” 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://lifeinsuranceover65.com.