If you’re considering getting life insurance, knowing that many life insurance policies require a medical insurance examination is important. Suppose you prefer not to undergo a medical examination to get your life insurance policy. In that case, the professionals at Russ Richardson Agency servicing Birmingham, AL, can help you find the right policy for you.
In this article, we’ll discuss medical exams for life insurance policies so you can be well informed about the medical exam process.
Do All Life Insurance Policies Require a Medical Examination?
No, not all life insurance policies require a medical examination. Some life insurance policies can be obtained without a medical examination, but these life insurance policies may offer a reduced benefit, or they may cost more money. If you want a life insurance policy without a medical examination, we can help you find a policy that will work for you.
What Happens During the Medical Examination?
During the medical exam for life insurance, you may be given a questionnaire to fill out. You may also give a blood sample and urine sample. The medical professional will likely take your basic health measurements like height and weight. In other words, the medical exam may be no different from an examination that you get from your doctor every year.
Who Pays for the Exam?
Most insurance companies will pay for the medical exam, so you won’t have to pay for it yourself.
Are you interested in getting life insurance? The professionals at Russ Richardson Agency servicing Birmingham, AL, can help. We work with many carriers to help our customers find the right insurance company for them. If you have questions or would like to get started searching for your life insurance policy, call us today.
