Will a physical exam always be required to get Life Insurance?

Getting Life Insurance is easy and gives a person the peace of mind knowing that should the worse happen the immediate family will not be left with the burden of funeral expenses to pay.  Upon the insured's death a lump sum of money will be paid out to the beneficiary who must be able to show the death certificate as proof.  It is usually the person who is named on the Life Insurance policy who has taken out the policy and has paid it for many years.  It is always better to take out a Life Insurance policy when someone is younger than trying to get Life Insurance when someone is older. Parents often take out Life Insurance Policies for their children as well as themselves.  Although it is very easy for most people to get Life Insurance an older person in ill health might find it more difficult. It all depends upon how much the person wants to be insured for and what illness they might have (if any).  An older person obviously is seen by any Insurance Company as being more of a risk and even a younger person who is in poor health is classed as high risk.  In some cases an Insurance Company might require an applicant to have a physical examination before they agree to insure. Of course, in certain circumstances even if the Insurance Company agrees cover the yearly premium might be very high.  In most cases, however, no physical examination will be required and getting Life Insurance is straight forward.

What does a physical examination usually involve?

For people who do need to have a physical examination to get Life Insurance certain health checks are necessary.  Questions will be asked regarding your medical history and on your health at the present time.  Your doctor might be asked about your health records and it will be necessary to have your blood pressure, height and weight checked and possibly an ECG.  If the value of the insurance policy you are requesting is classed as high other checks such as urine samples and cholesterol tests might be required. Insurance Companies vary so one Insurance Company might ask for more checks than others.  Someone who has a terminal illness or had a heart attack is going to find it very difficult to get Life Insurance cover. By checking out Insurance Companies on line it is easy to find out if your particular illness or medical condition might require a physical examination.

Getting Life Insurance is straight forward and generally most people will be offered life insurance without needing any physical examination.  People who suffer from ill health are seen as a bigger risk to Insurance Companies so may have to agree to a physical examination.