Can You Get Life Insurance No Exam If You Ride a Motorcycle?

Riding a motorcycle can be a dangerous hobby, but in most cases, and if the driver is careful enough, it doesn’t lead to any accidents. The chance of an accident happening depends on what type of motorcycle a person rides and on the driver’s experience. If you enjoy riding a motorcycle, you shouldn’t have any problems when it comes to getting a life insurance no exam plan!

motorcycle_life_insuranceWhat is no exam life insurance?

We’ll start by explaining what a life insurance without medical examinations plan is. Life insurance is a contract between an individual and an agency. The one who is buying coverage is called the insured. Under the term of a life insurance policy, the insured’s beneficiaries are entitled to a death benefit if and after the insured dies.

The insured can choose the coverage value and pick the beneficiaries. Although many plans ask for a medical examination, some policies will sell insurance without asking applicants to take medical tests. Plans that do not require medical examinations are: simplified issue and last expense insurance.

How can riding a motorcycle affect life insurance rates?

In most cases, riding a motorcycle has no influence on life insurance premiums. In order to qualify for life insurance no exam plans, you have to complete a medical questionnaire. Agencies are more interested in whether you drink or smoke. Many of them don’t even ask what type of vehicle you drive.

Should you buy life insurance if you ride a motorcycle?

As I have said, riding a motorcycle can be dangerous. If a car hits you, you are more likely to lose your life in the accident. By having life insurance you can prevent any financial difficulties for your family. The death of a loved one is always heartbreaking, but the awful truth is that someone’s death brings unforeseeable expenses: funeral costs and other expenses will have to be covered. Also, the remaining family members will have to go on living with limited financial resources.

In conclusion, if you ride a motorcycle, you are in no danger of being refused for life insurance. This should instead, determine you to purchase a plan.

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