It’s easy. Just answer no to any health or family history questions. No to foreign travel or dangerous hobbies. No to smoking and give a really healthy sounding height and weight. Follow those directions and you should get the best quote available.
Now the reality check. Do you really want life insurance? If so, make sure you answered all of those questions honestly or the quoted price and the approved life insurance policy won’t match up. Once you complete an exam and the company has a look at your medical records, they will offer a policy at a price that matches reality.
Also keep in mind that even if you manage to fool the company into issuing a policy based on not so honest information, the company reserves the right not to pay the death benefit if they determine you lied to get the policy.
Bottom line. Tell the truth when you get a quote. If the price is higher than you wanted to pay, adjust the amount of coverage to fit your budget and get a non contestable policy in force to protect your family’s future. It may not be as much as you wanted, but believe me, your family is far better off with something than with nothing.
This post is somewhat dated. Life insurance underwriting is changing and evolving continually. For more updated information check out some of the key word links. If you have a specific question or topic you need information for do a search. If you don’t find the answers you need contact me and we’ll make sure you get the information that is important to you.