Why
Do I Need a Life Insurance Exam?

A life insurance exam is standard practice
- many life insurance carriers require that applicants take medical exams to
determine the rate you are charged for your term and whole life insurance
policies. Although you may want to avoid an exam or feel it is unnecessary, you
will generally get a better rate if you submit yourself to a life insurance
exam by a paramedical professional. These medical professionals are paid by
life insurance companies to perform exams and report the findings back to them.
Many times they are mobile and can come to you, or you can schedule an exam at
a clinic specified by the insurance company. If you are under 40 and in good
health, you may not need to take a medical exam in order to obtain life
insurance. Each company has its own requirements, so it is best to check with your
agent.

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