Guaranteed life versus Non Medical Life Insurance
Author: Victor Camba
There are a number of guaranteed life plans currently being advertised on television, targeting those who, for medical reasons, have been declined for life insurance or have difficulty getting the amount of coverage they need.
They promise “guaranteed acceptance”, “no questions asked”, or “affordable premiums as low as $20 a month.”
While this all sounds good, there may be far better alternatives for most people who deem themselves uninsurable, hard to insure, or who simply don’t want a medical exam.
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