- by Journey Insurance February 1st, 2011
- Comments Off on Do I have to take a medical exam when applying for life insurance?
The short answer is no, you do not have to take a medical exam in order to obtain life insurance. However, life insurance is cheaper when you do take a medical exam when applying for life insurance. The companies will have a better understanding of your health when a medical exam is done, and in turn will offer you a better and cheaper life insurance policy. It is comparable to taking a group health plan that must take all applicants, rather than allowing the health company to rate you as an individual.
The medical examination is an important part of the underwriting process, and in most cases, is required by the life insurance company. The exam will verify the information you give on your application is true and correct, as well as helps identify conditions you may not know exist.
The exam takes place at a time and location of the clients’ choice. During the exam they will monitor your heart rate, measure you height and weight, as well as take blood and urine samples. There are other tests that you may experience during your exam depending on your age, as well as the type of policy you are requesting.
Everyone wants the lowest possible payment for life insurance, and that begins with the medical exam.
Contact us to see if you can save money on your insurance by speaking to a professional independent insurance agent at Journey Insurance.
Let us sift through the hundreds of insurance programs to find you the most competitive rates available. Let us do the paperwork while you spend your time doing something you actually enjoy!
Journey Insurance Agency * Irvine, California * 888.323.7480
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