Medical Exams and Life Insurance – What to Know

For many, getting a medical exam for a life insurance policy can be stressful and anxiety-inducing, but the exam doesn’t have to be scary. The professionals at AS Insurance Agency serving Manchester, NH can help you navigate this process with ease.

Underwriters require medical exams to determine the potential policy holders’ health. The healthier you are, the lower your premiums are likely to be. 

During a medical exam to get life insurance, you will be asked to undergo at least two components of the exam, a verbal interview/evaluation and a physical exam.  During the verbal evaluation, you’ll be asked a series of questions such as your medical history, your family medical history and details about your lifestyle.  

The underwriter will want to know if you smoke, drink alcohol, use any recreational drugs, take any prescribed or over-the-counter medications regularly or if you engage in any activities that might make you more likely to have a shorter life expectancy.  You’ll be asked if you have any underlying medical problems or pre-existing conditions such as diabetes, high blood pressure, high cholesterol or other chronic illnesses. You’ll also be asked to take a physical exam so that a physician can listen to your heartbeat and see for themselves if you have any noticeable ailments. You will also be asked to undergo bloodwork testing which will look for things like your cholesterol levels, blood sugar and bloodwork can also confirm that you are a non-smoker.

Before your exam, get plenty of rest, make sure you are hydrated and if you are a smoker, seriously consider quitting in order to make your odds of being insurable higher and your rates better!

Get in touch with AS Insurance Agency serving Manchester, NH to learn more about your life insurance options today.

3 Reasons to Buy Whole Life Insurance

In Manchester, NH, the agents of AS Insurance Agency encourages individuals to look into the benefits of a whole life policy, especially if they have a family to take care of. With a whole life policy, a policy can be purchased that will provide for every aspect of your family’s needs.

Pay Off Existing Debt

Whole life policies will provide enough money to pay off mortgages, car loans, and other financial obligations so that your family isn’t strapped with the extra debt that they may not be able to pay for others. When purchasing a policy, it’s important to know how much debt you have to ensure you are properly covered.

Covers Final Expenses

The main purpose of most life insurance policies is to cover an individual’s final expenses. This includes funeral, burial, and any other costs associated with their final services. Attorney fees and other expenses are also included. Paying for your final expenses is something your family shouldn’t have to worry about.

Provides Financial Security

Another primary benefit of whole life insurance is that it provides enough coverage to ensure that your family lives comfortably until they can get back on their feet. Without your income, their lifestyle would dramatically change. A whole lie policy ensures they will have what they need during a challenging time.

The agents of AS Insurance Agency have the answers Manchester, NH residents need when it comes to finding the perfect whole life policies. Choosing the right policy ensures that your family will have everything they need if the unthinkable should ever happen. Call and schedule an appointment as soon as you can to get the answers you need.