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When looking at life insurance quotes, it is best to come clean on any circumstances which may raise your rates (such as smoking or a health condition), even if the life insurance company guarantees that you will not have to take a medical exam to be approved.
In the event of your death, if the life insurance company determines that you withheld important information they could deny your survivors any payment. You will only be cheating yourself, and worse, your family.
|Jennifer Mathes, Ph.D.|