Understanding Life Insurance Without A Medical Exam

You're worried about going through a life insurance medical exam, because you fear that the physical may turn up abnormalities, or worse, that it may get you labeled ineligible for coverage. Indeed, the Medical Insurance Board (MIB) keeps tabs on physical results and applications, and you may not want to have that information disseminated widely to all potential carriers.

You can request a copy of an MIB portfolio for under $10--you can see the rest of EFinancial.com for details on how to gain a transparent MIB record and for how to prepare for your life insurance physical optimally. Of course, you should always consult with your primary care physician and stay current on any pressing medical issues.

Insurance companies tend to reward individuals who take proactive steps to improve their health. For instance, if you have a cholesterol problem, and you get on appropriate drugs and physical training routines to alleviate any cardiovascular issues, companies will look favorably upon this behavior and potentially offer you lower rates.

Similarly, if you quit smoking, you may be entitled to a non-smoker rate as little as one year later. Call an EFinancial.com rep as soon as possible to get started at 866-765-4296. Don't wait until a medical problem arises, or your ensuing rates could make it difficult to afford the proper coverage. Agents have stats and guides to help you plan.