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Life Insurance Quote Home
Contact
Disclaimer
Ready to buy Life Insurance?
Don't Trust this important decision to an Internet "call
center"...talk to a real professional today! Quotes are free,
and the companies that I carry are the same companies that the big
online insurance marketers have. Your policy will cost the
same if you go through me also - and you'll have the added benefit
of having the same personal agent to talk to every time you call.
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Life Insurance No Exam?
That's called "guaranteed issue life insurance".
If you want a cheaper rate, here's how to best prepare yourself for a
life insurance medical examination:
In order to qualify for a life insurance policy that is underwritten
(Guaranteed issue does not count here), you will need to have a very
brief medical evaluation. This mini exam is done by a licensed
nurse, who is an employee of an examination service. Insurance
Agents like me call on these examination services to see the clients
at the time and place of the client's convenience. You as a client
do not have to pay for this "exam". What you will have to do is
give a blood sample, a urine sample, health questions (like "have
you ever smoked" or "have you seen a doctor lately and for what"),
etc. The nurse/examiner will measure your height and weight.
Blood & Urine - If you eat a honey bun right before
your medical test on the day of your exam, your sugar may spike in
your blood. This will alarm the insurance company! Don't eat any
sugar before your lab tests. Eat a healthy meal, if anything, and
do not drink any caffeine or alcohol. Don't exercise before the
exam - your present and past blood pressure readings are a critical
factor.
Height and Weight - If you have lost a significant
amount of weight in the recent past the insurance companies will
only give you credit for half of the weight lost. If you weighed
250 pounds and you lost 50, the insurance company would cut that 50
in half (25) and look at your risk status as if you weighed 225
pounds. Some companies will do this and some will look at your
current weight (if the reason for weight loss is gastric bypass
surgery). Be prepared to be weighed. The examiner will bring a
scale!
Medical Questions - Be prepared to answer a few
medical questions. If you have had any significant medical problems
in your life, you need to fully divulge that information. The
insurance companies WILL find out all about this info anyway; they
just want to see if you are truthful. They want you to make the
whole process easier on you and on them. Most of all, they don't
want to have to decline your claim if you die because you were not
truthful or withheld information when you applied for the coverage.
Be prepared to give your Doctor's contact information to the
examiner.
Driving Record & Hazardous Avocations - If you have
had a DUI, wreckless driving, speeding ticket in the recent past you
will be looking at a higher rate. This information will be obtained
by the insurance company. If you are a sky diver, a diver, a pilot
or student pilot, or a missionary, you may have to pay more for a
life insurance policy - it all depends upon the company you deal
with and their underwriting philosophy. Be prepared to give details
as to exactly what you do when you dive, fly, etc.
Family History - Did either of your parents die before
the age of 60 due to heart problems or cancer? This can increase
your rate.
Need advice? Contact me!
For licensed, professional assistance with your
life
insurance needs,
call toll-free 1(800)223-2762 and speak to Mr.
Ashley Brooks, CLTC
or eMail Ashley at
ashleybrooks@sc.rr.com
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