The rates are accurate for the health condition selected. However, most people are overly optimistic or pessimistic about their health. The overwhelming majority of applicants are classified as Standard (good but not great health). If you choose to have the quote tool use your answers to specific health questions, the more likely you will see the rate that will be offered by the life insurance carrier.

This is a fair question, and it is why at No BS quote we only recommend carriers with AM Best ratings of A or better. The quote tool will always show the financial rating of the carrier.

We know that it is an unsatisfying answer, but it really depends on your situation. Because different carriers have different risk appetites and clients all have differing needs, it comes down to the whether the applicant is looking for the best price, the fastest policy issue or the most lenient underwriting.  Because No BS Quote is independent, we can accommodate all these situations.

The answer to this question depends on the type of coverage you are looking for:

For Burial Insurance there are far fewer and less invasive questions. They will generally check you prescription history and about any hospitalizations. Additionally, most will ask your height and weight and a few questions about serious diseases. There are never exams with burial insurance.

With Term Insurance there are several factors that go into determining your underwriting class, and different carriers have differing risk appetites for specific conditions. That being said, the major inputs into determining rate class are Age, Gender, Build (ht. & wt.) , Prescription Medications, Driving History, Medical History.  Most term carrier now offer a no exam option. However, if you have health complications, a para medical exam may be required.

Burial Insurance is whole life insurance. This means that as long as the premium is payed, the policy will never expire, the rates will not go up, and the benefit will never go down. 

For Burial Insurance, there are never exams. However, the underwriters will check your prescription history.

For Term Insurance, there are almost always no exam options available. However, if you have a more complex medical history, it may make sense to choose a carrier that requires a para medical exam.

The answer to the "how much time?" question, depends  on the type of insurance and the complexity of the medical history.

Burial Insurance applications almost always receive a decision immediately. In rare cases they may take a day or two. 

Payments can be made monthly, quarterly and annually. There is often a savings of just under 5% to pay annually. Most applicants choose to pay monthly by electronic funds transfer (ETF) from their checking account. Some Term Insurance carriers will take credit cards for annual payments  and  a couple of the more expensive Burial Insurance companies will take Debit Express. No BS Quotes only processes credit cards for annual payments and does not recommend burial insurers who take debit express.

Most all carriers will mail a hard copy of the policy to the policy holder upon issue. If a situation arises where you are recommended to an insurance carrier that is no longer mailing policies, No BS Quote will print and mail a copy to you.