Do I have to take a medical exam when applying for life insurance?

  • by 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 …

 

 

What is Universal Life Insurance?

 

  Universal life insurance is a form of permanent life insurance that ensures a specific, guaranteed payoff at the death of the policy holder, as long as premium payments continue to be made. These policies are meant to be maintained …

 

 

What is Whole Life Insurance?

 

  Whole life insurance provides a specific, guaranteed payoff at the death of the policyholder. Premium payments are fixed for the life of the policy and are guaranteed not to increase. A whole life insurance policy is another form of …

 

 

What is Term Life Insurance?

 

   Term life insurance covers you for a specific period of time (a term) and pays death benefits to your beneficiary only if you die during that term. A term life insurance policy can be arranged in yearly increments ranging …

 

 

Life Insurance Basics

 

  Welcome to life insurance basics; everything you’ll ever need to know about life insurance.  Life insurance is not the lightest topic, but one that must be addressed.   Life insurance is one of the most misunderstood insurance types available.  At …

 

 

Deciding on Umbrella Coverage Amounts

 

  The minimum amount of coverage for an umbrella is one million dollars and can go up to ten million. The most common amount of coverage is one million but many choose two million dollars or more. A rough estimate …

 

 

Top 4 Life Insurance Mistakes

 

  After reading nearly all of the 1,460,000 results on Google for ‘top life insurance mistakes’, ok not all, but I certainly read a few, I have found the most common are:   1. Not having any insurance at all. The only time …

 

 

What is Other Structures Coverage (Coverage B) and What Does it Cover?

 

  Other Structures Coverage (coverage B) is the portion of your homeowners insurance policy that covers the cost of rebuilding/repairing the additional other structures on your property other than your home. Other structures includes detached garages, swimming pools, sheds, and …

 

 

Alarm Systems and Homeowners Insurance

 

  Every insurance company will lower your homeowners’ insurance premium if you install a security system. In fact, practically anything you can do to deter theft or prevent damage to your home will result in a discount on your homeowners’ …

 

 

What is Personal Liability Insurance Coverage (Coverage E) and What Does it Cover?

 

  Personal liability coverage, also known as coverage E, protects you and all family members who live with you against a claim or lawsuit resulting from (non-auto and non-business) bodily injury or property damage to others and for which you …

 

 

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