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As the masses use the internet to shop out just about everything in their lives, hundreds of insurance companies have followed by providing online services. Many companies make their offers appealing and seemingly easy by fast offerings with an online application . Some insurance companies even offer term life insurance without medical examination is required. Many people, especially those with an existing illness, would certainly find these measures are tempting. But it is important, as with all things that sound too good to be true be to read the fine print or disclaimers. Some insurance carriers will require applicants who are no medical examination measures to pay much higher premiums or additional monthly fees. In addition, the applicant may be required to go through physical examinations one to five years after their policies have begun. Non-reputable companies may even refuse to pay benefits or cover unexpected, if an applicant is getting older. Ultimately, insurance, information among themselves and all pre-existing diseases can be sent to potential new carriers anyway. Generally, it is best to ensure that the traditional concept of life insurance and in the prescribed medical examination.

Medical examinations are usually required

If you opt for term life coverage, some insurance companies require a medical examination for all measures, while the other tests only for measures with substantial face value. The medical studies are basic and the comfort of home or office. Tests usually measure your height and weight. You will be required to provide a brief medical history and blood and urine samples. Your blood and urine are tested for very specific medical problems and positive results may affect your premium. If insurance is not like the results of medical examination, they may deny coverage overall.

To get the best medical examination results, it would be best to plan your physical in the early morning hours or on weekends, so that you sleep and are more relaxed. Avoid coffee, mineral water, alcohol and heavy meals, sugary foods before the test. The goal is to reduce stress, make your blood pressure under control.

Other factors that influence your reporting

In addition to the medical results, your lifestyle can also affect whether a carrier or not choose to give you or how much will you need for your premium. For example, smokers pay more for the duration of life. Some insurance companies do not distinguish between cigarette, cigar or marijuana smokers. If you smoke marijuana, but not cigarettes, you still have to admit that a smoker on your application. Because marijuana users have their drugs, their applications under additional scrutiny.

Age is also a factor in the term for the life insurance coverage. As you get older, the likelihood that you will die sooner increases. Therefore, the elderly, more money for life insurance. Many term policies give you the opportunity to renew your coverage at the end of the Term, without any other medical examination. Locking in low premiums is not impossible. Ask your carrier for a "level premium" term life insurance. This means that for a certain period, say 10 or 20 years, your premium rate will remain the same. After this term expires, your rates will rise . But at that time the need for a life no longer becomes a necessity.