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Term Life Insurance FAQ
THE MEDICAL EXAM
Q. Why do I need a life insurance medical exam?
A. There are many benefits of a life insurance medical exam The life insurance exam helps to pinpoint certain aspects of your health situation to determine your exact rate class. A simple blood test and urine sample measure cholesterol levels or screen for problems such as diabetes, liver or kidney disorders. By getting a clear picture of your health from your life insurance medical exam, the insurance company can place you in the most accurate rate class, which determines what you pay. This can mean a lower cost for your policy.
Insurance policies that require a medical exam are called medically underwritten policies. The policies that are not medically underwritten often cost more, because the medical risks are averaged across the board. If you are healthy, you essentially pick up the tab for someone who is not as healthy.
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Matrix Direct, Inc. is a subsidiary of American General Life Insurance Company (AGL) and an affiliate of The United States Life Insurance Company in the City of New York (USL).
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