August 13, 2007

Pick your battles

If you've got a family, you have to have life insurance. But it would be great to get life insurance no exam required, wouldn't it? Well you can. It will probably cost more - because, let's face it, they are taking more of a risk. You could be a 45 year old chain smoker that weighs 457 pounds and drinks himself to sleep every night - or you could be a 45 year old who runs 10 miles a day, lifts weights, never smoked, never drank, never did drugs, and weighs 227 pounds of solid muscle. If you are the latter - you'd probably want to find insurance that *does* require an exam. Your insurance is going to be a lot less than the smoker's.

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