Has anyone tried to get life insurance doing covid? Wondering how rates are affected. Also, what’s coverage like if you’ve tested positive for covid previously?

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COVID has zero effect on rates. It’s not dangerous enough. The death rate for anyone healthy is too close to 0% for life insurance companies to even make it a factoring data point.

My husband was able to get premium coverage without a physical test. They used a combo of medical records and credit score. He has not tested positive for COVID. He barely goes to the doctor, which honestly probably helped him in getting premium as there wasn’t much health data.

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