Medical examinations are sometimes required when you purchase a
life insurance policy.
This helps the company more accurately asses the risk they are about to undertake.
If you buy a small policy at a younger age you may only be required to complete a "non medical form".
You know, they just ask you a few questions and that is it. Medical examinations are usually required for larger policies and at older ages.
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For Older Ages, Impaired Risks And Larger Policies
For impaired risks or for larger policies the insurance company may ask for an in-depth medical or probably a series of examinations. Here are some of the things you would need to provide them.
For smaller amounts of life insurance and if your medical history is good you may be able to get your insurance issued on a non medical basis. You would be asked some of the same questions as would be asked for the larger policies but you would not need a complete medical examination.
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Term life insurance is life insurance in it's simplest form. These policies stay in force for a specific number of years, for example, 5 years 10 years etc.
Whole life insurance is the plan of choice for many people. There are many variations to this plan.
Universal life insurance was designed with the express intention of combatting the venerable whole life insurance policy.
Are you looking for quality term insurance quotes? Have you determined how much you need? Do you know what type of term insurance is best for you?
In many cases it is a good idea to buy term insurance online. Some people know just how much life insurance they want to buy before they get online.