Do I Need A Medical Exam to Get Life Insurance?

If you’re hoping to get life insurance, one of the questions you may have is whether you’re required to obtain a medical exam. At Atlas Insurance Agency, servicing Southeast Michigan, we can help. We offer many insurance products through a variety of insurance carriers. We can assist you in exploring the options and determining when to get a medical exam and when an exam is not required. 

What Is Life Insurance?

Life insurance is a type of insurance that pays beneficiaries when the insured dies. Life insurance comes in different types, including term and permanent.

Term life insurance is designed to last several years and will pay benefits while the policy is active. Permanent life insurance pays benefits as long as the policyholder continues to pay the premium. Which type of life insurance you should get depends on your goals and why you want this type of insurance. Your insurance agent can help answer your questions about this.

Do I Need a Medical Exam to Get Life Insurance?

Most of the time, insurance agencies require a medical exam to get life insurance. This exam is usually relatively simple but may require blood and urine samples. 

Some life insurance products no longer require medical exams. If this type of life insurance policy appeals to you, talk to your insurance agent. No-exam life insurance policies may offer less coverage, so you may still want to explore all the options before deciding. 

Have questions about life insurance? Are you thinking about getting it for yourself? Atlas Insurance Agency servicing Southeast Michigan can help. Call today to learn about our insurance products and get your questions answered.