The Lowdown On Life Insurance Medical Exams

There are three main ways a new life insurance policy is priced: Underwritten policies are those where you answer questions on your personal and family medical history and undergo a medical exam arranged by the insurance company; a simplified issue life insurance policy application asks you some medical questions but does not require a medical exam; and a guaranteed issue life insurance policy requires no questions and no medical exam. If you”re healthy, or even if you have a few medical problems, you”re likely to get the best insurance value from an underwritten policy, which is priced specifically for you.

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