When you purchase a life insurance policy when you are very young, or through some work programs, there is usually no requirement for the individual covered to undergo a medical exam. One of the advantages to buying a loved one a whole life insurance policy from a very young age is that they have the benefits of the policy for life, without a threat of increased premiums, and they cannot be forced to take a medical exam.
When you are older and attempting to purchase a whole life policy in St. Augustine FL, there is usually a requirement to go through a medical exam. Even though it is relatively noninvasive and only takes about 20 minutes, it gives the insurance company important information about your health. At this point, they are evaluating your health because when you buy life insurance, you become one of their investments.
At Tim Huber Insurance, we can help you choose your options and prepare you for your exam. They will need to get basic information like height, weight, blood pressure and medical history, and being relaxed can make a difference.
You may be able to get a term life policy, which is more expensive, without a medical exam. It doesn’t have as many benefits, and will expire as soon as the premium is no longer being paid, but it does have the basic death benefit.
Our friendly agents at Tim Huber Insurance can help explain all your options. If you are in St. Augustine FL and are interested in obtaining a life insurance policy, or just have questions about an existing one, don’t hesitate to call us today.