Since all life insurers are not the same and all life insurance products are not the same, you do have options. In fact, if you are using an independent insurance broker like Simple Life Insure, you can count on your insurance professional to provide many options to best meet your individual needs.
For example, many people do not prefer to undergo a medical exam or drug test to purchase affordable life insurance. In this case, your agent will recommend an insurer that offers a no exam insurance policy.
Although this type of policy is typically priced higher than a fully underwritten policy, many applicants elect the option because it is quickly issued without medical exams, drug or urine tests, and some cases, there are no medical questions on the application.
It’s important, however, to understand that in many cases, having osteoporosis may have only a minimal impact on your insurance rates. If you are otherwise healthy, do not smoke, and your medical exam doesn't reveal other issues that you weren't aware of, your final rate may be based on a standard rate class, and your insurance policy will be very affordable.