What term life insurance companies do not require your dna?
February 17th, 2012
Question by traceyrco: What term life insurance companies do not require your dna?
I want an insurance company that won’t invade our last bit of privacy – our DNA. Once they have your DNA they can make all kinds of determinations about you, health, personality, all kinds of things. Years ago reasearchers were willing to pay $ 5,000. US Dollars to get you to donate your very private – unique only to you dna to them. Now insurance companies get us to pay them to take it from us! Is anyone aware of a company to buy term life ins. without DNA sample?
Best answer:
Answer by The truth is out there
Are you more worried about your privacy or more about the unknown medical disease you may have? I know people who thought they were healthy and then later found out they have cancer. There are people who have high cholesterol level and they thought they were healthy too. These medical tests are done for free at the expense of the insurance company. It can provide information about you that you are not aware about. If there’s anything wrong you, at least you can start treatment to live longer.
Anyway, if you buy a small coverage of less than $ 50k, then the company won’t do medical underwriting. If there is a company that does no medical underwriting at all and you have over $ 100,000 in coverage, you better read your life insurance policy. There’s a high probability they won’t pay. Such companies require your health to stay the same throughout the life of the policy. Knowning human conditions, your health deteriorates as you get older.
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