When trying to be frugal, there are some choices to be made. Do you get mozzarella sticks AND the nachos or a second round of drinks? Do you buy the $5 flowers that last three days or the $10 flowers that last six days? Is cable worth the price or do you throw caution to the wind and only pay for streaming services?
And what about more pressing needs, like taking care of your family? If you’re looking to get life insurance, it’s easy to be lured in by low prices, but you can quickly discover that it’s not all it’s cracked up to be. So, is it possible to get cheap term life insurance without an exam that still gives you the care you need? In short, the answer is an emphatic yes. Read on to learn more.
You may have been endlessly scrolling through Google trying to find a life insurance policy that best suits you and, in doing so, have bumped into many different options. While some companies say they offer low-cost, no-exam policies, these options may not take into consideration everyone’s criteria. If you’re an older shopper or a person with a pre-existing condition, your age or health may alter the policies you’re eligible for (and have you asking why is my premium so high when you do get a policy). Some things to look out for as you shop:
Sources:
The average gym membership in the US costs $58 per month, according to a study by the Statistic Brain Research Institute.
Acorns reports that the average American spends about $1,100 per year on coffee, which breaks down to roughly $92 a month.
According to Q4 2020 State of the Automotive Finance Market the average monthly lease payment in Q4 was $460
A Survey by J.D. Power shows that the average viewer pays $47/month on all their subscriptions combined.
It’s always a good idea to jot down your thoughts and questions and then make sure to research the company’s website thoroughly and/or talk to a customer service rep.
Although paying less for a policy can be attractive to some shoppers, you have to consider it’s not all about the Benjamins (and the Andrews, Abrahams, and Alexanders). In fact, most people would prefer to pay a higher premium as long as they’re getting a quality product. There are ways to get affordable coverage without sacrificing quality.
The spectacular news is that Wysh has reinvented the wheel and provides best-in-class hyper-personalized memberships, standout customer service (aka Wysh Granters), and a fabulous way to leave a legacy through your Wyshes.
Wyshes are the financial dreams and goals that you’d like to fulfill if you were to die. They can be anything from paying off your home, sending your kids to college, or making a mark on the world. Whatever you want to happen after you die, we can help fulfill your unique needs and wants.
Despite our love for all things tech, we also understand that having a conversation with an actual human can make it easier to navigate all the things that need to be taken care of after someone dies. Our Wysh Granters (that’s what we call our customer support team) not only assist our members with questions, they also help direct beneficiaries in whatever they may need during the claims process. In addition, they do their best to help make sure that whatever Wysh you have, is granted.
If you prefer not to have to visit the doctor to sign up for life insurance, Wysh has you covered. Our underwriting process is simple and fast, and the best part is that it’s 100% online—so, you can do it anywhere, anytime, and get an instant quote.
Whenever you decide to purchase a plan, it’s essential to remember that you’re building a long-term partnership with your insurance company. So, while inexpensive premiums might be what you initially look for, remember that there’s more than just money in the mix because most people want to be able to rest easy knowing their policies are working for their families. Wysh always has customers at the forefront by understanding that having tailored coverage, fast support, and the ability to create Wyshes is an important part of the journey. Doing research as you plan for the next chapter of your life is a key component of getting a life insurance plan that serves you and your family in the best way possible.
