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What To Know When Applying For Life Insurance

What To Know When Applying For Life Insurance

Life Insurance Applications

Once you find the perfect life insurance policy that will provide the coverage that you need, it is time to apply. The application process can be a bit confusing, and knowing what you are getting into can help to make the process much smoother. Keep these guidelines in mind when applying for your life insurance policy.

The first step to applying for life insurance is filling out the paperwork. The life insurance application form will ask typical personal information, as well as your medical history. Make sure that you answer all questions completely and truthfully. When you turn in your application, your agent will check it against your medical records, so any questions that you were not truthful about will be easily found out.

After reviewing your application, your agent will decide if you need to take a medical exam. If you are under 40 years old and are applying for less than $100,000 of insurance, chances are you will not have to have a physical exam. However, if you are older than 40 and applying for more coverage, you will probably have to get a basic medical exam.

The paramedical service that conducts your medical exam may be mobile, and they will come to your house or office to conduct your appointment. You can also schedule an appointment at a qualified clinic that will send your results to your insurance company. During your medical exam, your medical history will be reviewed, and your physical measurements and vital sign will be taken. Typically, it will only take around 30 minutes for the entire exam.

When looking for the right life insurance policy, contact the Insurance Agency of Dean Davis in Austin, Texas. We will work with you to ensure that your application process is simple and that you have the coverage that you and your loved ones deserve.