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Life insurance companies often
require you to have a physical exam. This will
probably not be with your own doctor. The company
may arrange for you to go to a medical office
or for a doctor or medical technician to come
to your home. There should be no charge for the
physical exam.
A Few Things to Consider:
Because some health conditions
are easily managed through proper medication,
therapy or lifestyle changes, medical information
sometimes makes it possible for insurers to cover
applicants who might not otherwise be insurable.
However, more serious or incurable conditions
present an enormous risk that an insurer simply
cannot assume.
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» 6. Naming Beneficiaries
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The
Truth About Medical Tests