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If you would like for us to explore other carriers, please ask. Is A Medical Exam Required? The policy owner is responsible for paying premiums in order to maintain the policy in force. Your rates are only estimates based on your age, sex, and basic medical information. The medical exam can be completed at your home or any other convenient location of your choice and typically minutes to complete. For most applications, the insurer requires several weeks to collect and evaluate data from your physician and perhaps other sources of information.
Because each insurance company has a process they use to determine if, and at what health rating they are willing to offer coverage to an applicant. The new trading hires are Robert Clasby, a former v. Additionally, your age and income have a direct bearing on your life insurance needs. How long do I need coverage? How big of a death benefit do I need? The amount of coverage you select should be equal to the financial loss which the death of the insured will impose upon you or your beneficiary and many Industry experts recommend that you purchase 8 to 12 times your current annual income.