Medical Examination

Depending on the amount of insurance applied for, the underwriter may require a medical examination to help assess the risk that the insured’s life expectancy will fall within normal life expectancy.  The medical examination is generally conducted by an independent paramedical professional, paid for by the insurance company, and is scheduled at the convenience of the applicant of the policy.  Often times the medical exam takes place at the applicant’s home an is a relatively quick and painless process.

There are also policies that require no medical exam, but generally these policies have very low benefits to reduce the risk incurred by the insurance company.

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