Taking an exam will be necessary
You will indeed need to take the exam if you apply for a standard policy. There are, however, a few businesses that provide life insurance coverage of up to $1 million without requiring an assessment. Furthermore, you are not need to take the exam to be certified for certain insurance, such as ultimate expense, which are issued on a simplified issue basis.
Would you purchase dog without first inspecting it? You would want to make sure it’s healthy and has all his shots and no major issues. After all, you pass away soon after purchasing the coverage, insurers could be liable for millions of dollars. By performing an examination, they boost their chances and determine how dangerous you are to insure. Additionally, they take care to avoid covering unqualified people who might be suffering from a terminal disease or who are otherwise likely to pass away soon.
A third-party nurse will review the questions you answered on the application, take your height, weight, blood pressure, pulse, and other vital signs while also drawing a sample of your blood. Sometimes, depending on your age and the company, a urine sample and EKG will also be necessary. They will look at A1-C which determines your potential for Diabetes. There are many things they look at to determine if you are a good candidate for coverage. So making sure you get coverage while you are healthy and don’t have any pre-existing conditions