We scored providers based on price and coverage benefits to help you find the best no-exam instant life insurance. No ability to convert to a permanent life insurance policy Tips for Buying No-Exam Life Insurance Instantly Calculate How Much Life Insurance You Need An instant no-exam policy may not be able to provide the full coverage amount you need, especially if you’re looking to cover many working years or the years of raising a family. Before you start getting price quotes, calculate how much life insurance you need . A no-exam policy alone may not be sufficient coverage. Getting life insurance without a long application process is appealing, but don’t jump into an no-exam application without understanding your chances of getting approved. Many no-exam policies require very good or excellent health for approval. A denial goes on your insurance record and could hinder future applications. “Customers wanting instant-decision life insurance should ask the seller to reveal the underwriting guidelines before applying made my day so that you don’t accidentally earn an unwanted rate-up or decline on your insurance record,” says Bob Bland, CEO of Life Quotes, a national online life insurance agency that offers a variety of policies including no-exam, instant decision and traditional policies. “The instant decision life insurance plans have strict acceptance guidelines. The successful applicants for these plans tend to be in excellent health with no serious pre-existing conditions, no dangerous hobbies, are below age 45 with coverage requests that do not exceed $250,000,” observes Bland. Don’t be surprised if you end up doing a more traditional application process, including a life insurance medical exam , if you’ve had some health issues. Of course you don’t want to overpay on life insurance, but don’t research price alone. There are coverage options that can turn out to be very valuable long after you buy the policy, such as the option to convert term life to permanent life insurance . Also look at whether there’s an accelerated death benefit , which gives you access to your own death benefit if you become terminally ill. “The instant-decision life insurance market is new, evolving and represents an exciting growth sector because of the ease with which a purchase can be made,” says Bland at Life Quotes. “But don’t overlook the fundamentals. There are differences in policy features, and always ask to see the company’s A.M. Best rating before you buy.” No matter what type of life insurance you’re applying for, be truthful on the application.https://www.forbes.com/advisor/life-insurance/best-no-exam-life-insurance/
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New Mobile Road Safety Bases In Eastern Makes District More Accessible The arrival of a new Mobile Road Safety Base will allowEastern Police to access more remote parts of the districtto stop drink drivers and reduce trauma on theroads. The six-metre-long VW Crafter van is one of twothat will be based in the Eastern District and part of anationwide roll-out of 28 new Mobile Road SafetyBases. The second should arrive later thismonth. The Eastern vans replace the 20-year-old‘booze bus’ which was bulky, hard to maneuver andrequired a driver with a Class 2 licence. The van’smaneuverability will mean staff can visit areas that werenot as accessible with the old ‘booze bus’, EasternDistrict Road Policing Manager Inspector Matt Brodericksays. “Having these new Mobile Road Safety Bases outand about will mean our staff are mobile - anywhere, anyplace, any time,” Inspector Broderick says. “Theimportant message remains – If you are going to drinkdon’t drive. Organise a sober driver to pick you up,or use public transport, taxi or uber.” The van’supgraded interior provides new lighting, USB ports and astation for taking blood samples, he says. “The newMobile Road Safety Bases are a much more user-friendlyenvironment for our staff and drivers being processed out onthe roads and in rural areas where the majority of theEastern District’s fatalities occur.” The van hasalready been used in Wairoa, with plans to visit a range ofareas throughout the district in the future. “Makingsure our roads are as safe as they possibly can be issomething we are all passionate about and this is one of thetools we have to ensure this is the case," InspectorBroderick says. He expects the heavily branded MobileRoad Safety Bases will attract attention from the public andwith police being visible on our roads and supported byother marketing campaigns, will encourage good drivingbehaviour. For the environmentally savvy, the Crafteris smaller, easier to maintain and park, and uses largebatteries charged by mains power to reduce reliance onfossil fuels. By identifying areas where a van can beused instead of a truck, fuel use can be reduced, along withthe running cost and carbon footprint. It uses amodern, environmentally responsible process to monitor andcharge auxiliary batteries through stop/start technology,eliminating the need for an external generator or for thevehicle to constantly idle while on the side of theroad. The new Mobile Road Safety Base will be ondisplay at the Hawke’s Bay Road Safety Expo at PettigrewGreen Arena next week where Hawke’s Bay rangitahi will getthe chance to view and the work Police do upclose.https://www.scoop.co.nz/stories/AK2105/S00120/new-mobile-road-safety-bases-in-eastern-makes-district-more-accessible.htm