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Can Life Insurance Be Denied for Pre existing Conditions

Life insurance can be denied for pre-existing conditions, as insurers assess risk based on medical history. Each company has different criteria, and some may offer coverage with higher premiums or exclusions.

How to Get Life Insurance Without a Medical Exam

Obtaining life insurance without a medical exam is possible through simplified issue or guaranteed issue policies. These options typically require answering health-related questions and may have higher premiums but offer quicker approval.

Are Life Insurance Providers Doing Enough to Simplify the Application Process

Life insurance providers have made strides in digitizing applications, yet complexities remain. While online tools and AI are improving efficiency, many applicants still face lengthy forms and opaque requirements, highlighting a need for further simplification.

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