medical exam

we compiled these brief descriptions of guaranteed and simplified issue policies to help you decide if one of these options is the right fit for you!
You have probably heard the terms guaranteed issue and simplified issue in the past, but you may not be aware of the differences between the two. When learning about the different underwriting processes, it is easy to get overwhelmed with too much information. It is important to break the info […]

Defining Guaranteed Issue and Simplified Issue

 in Health / life / Medicare  tagged Guaranteed Issue Life Insurance / insurance coverage / life insurance / medical exam / simplified issue by
Insurability
Insurability in Life Insurance Completing a life insurance application requires many answers to many questions. First, we determine and assess the need for life insurance. Then, we begin the application. The application starts off with basic demographics. These include name, address, phone number, etc.  Then, comes the health, medical history, […]

Insurability in Life Insurance

 in life  tagged hearth health / insurability / life insurance applications / medical exam / Underwriting by
While applying for life insurance, health factors into the process significantly. As such, it’s possible that a recent history of major medical issues may prevent consumers from getting life insurance. However, most severe health conditions have a look-back period of 2-5 years. In other words, consumers can still qualify despite […]

Pre-existing Medical Conditions Can Prevent You from Getting Life Insurance

 in life  tagged medical exam / pre-existing conditions / Underwriting by
  Since one’s health and life connect inextricably, many are worried that their health (or previous health incidents/conditions) will disqualify them from getting life insurance. Many would prefer to avoid the medical exam that accompanies the application process altogether. In the video below, Criss Crombie, the life and financial expert, […]

Do Life Insurance Companies Require Medical Exams?

 in life  tagged Guaranteed Issue Life Insurance / health screening / medical exam by