have access to everyone’s medical data base so I was wondering if they would reject a diabetic on a no physical life policy?

 

  • mbrcatz 8:43 pm on August 10, 2010

    No, they won’t.

    Keep in mind, those policies have very low limits, AND, you have to live at least two years paying in, before it will pay out a death benefit. When you "run the numbers", you’ll find that if you live more than 10 years or so, you’ve actually paid in more than the death benefit.

    So it’s not such a good deal, for most people.

  • Insurance Pickle.com 8:43 pm on August 10, 2010

    Don’t confuse ‘no physical’ with ‘no questions asked.’ A graded benefit policy would be available to a diabetic (in many states and circumstances). A diabetic would not qualify for a ‘no physical’ policy.

  • Brandon 8:43 pm on August 10, 2010

    lifeinsurance.awardspace.info – try this one. I have their insurance and, as remember, they can provide such a service.