Life insurance is a type of insurance that provides financial support to your beneficiaries in the event of your death. There are several types of life insurance, but most require the insured to undergo a medical examination before the policy becomes active.
If you need life insurance and want to learn more about the process, the professionals at Pethel Insurance Group, serving Kannapolis, NC, can help. We work with many insurance carriers to help our customers find the best policy for their needs. Here’s what you need to know.
Why Is a Doctor’s Visit Necessary for Life Insurance?
Getting a physical is an integral part of obtaining life insurance because it helps the insurance company assess risk and determine rates for your policy. The physical is typically brief and includes standard procedures, similar to what you might experience during a routine doctor’s visit.
Is Seeing a Doctor Always Required?
For most types of life insurance, a medical examination is required. However, some policies do not require the insured to see a doctor. These policies often come with higher premiums and may offer lower coverage amounts. If avoiding a doctor’s visit is important to you, talk to your insurance agent. They may be able to help you find a policy that meets your needs without requiring a physical.
Need Life Insurance? Call Today
If you’re in need of life insurance, the professionals at Pethel Insurance Group, serving Kannapolis, NC, are here to assist you. We can answer your questions about life insurance and provide information to help you choose the best type of policy for your needs. Call today to speak with one of our insurance professionals.
