Life Insurance Leads Bakersfield California CA
Reader’s Question:
I am applying for a no exam life insurance in Bakersfield, California. I have heard that better health translates to lesser life insurance premiums, is this true? What are the risks if the applicant will not tell the whole truth about his health condition?
Daniel
Bakersfield, CA
Hello Daniel.
It’s true that you pay less in life insurance if you have good health or if your family has a good medical background. Life insurance companies in Bakersfield, California take it as an insurance risk if you happen to be otherwise. It’s also true that some people tend not to reveal their health condition so they could just save on premium. However, there is a risk in doing so and it’s a serious risk indeed.
Take for example, if you have a heart condition but you did not disclose it during your application for life insurance and then you paid low premium as a result of a seemingly clear health. Having that condition, you are prone to heart attack anytime. Once you die of heart attack, your insurance company will investigate the cause of your death and that means that they will go over your medical files. When they found out that you have had a heart condition before you apply, they may deny claims of your life insurance. Because it is a case of fraud, they will not be releasing insurance to your beneficiary even if you have been paying for it for a considerable period. What you have been paying in life insurance will be lost as a result of such fraudulent act.
Always bear in mind that companies in life insurance, or any insurance policy for that matter, are diligent and keen when claims come. They investigate before releasing claims and they would only release claims on valid and accurate grounds. Failure to present evidence of validity and accuracy result in denial of life insurance claims.
Tags: life insurance leads, no exam insurance
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