When buying life insurance one of the last steps in the process is to get a medical exam.
That holds true whether you purchase term life, Whole Life, Universal Life, or Variable Life.
Getting an exam helps to make certain you get the cheapest rate for your insurance policy.
There is generally no cost to you and a mobile paramedic will come to your office or home at a time that is convenient for you.
The steps of the exam can vary depending on how much insurance you are looking to purchase.
Generally the paramedic will come out to you home or place of business to collect a urine and blood sample.
They will also ask you about your prior health history and your current health.
Insurance providers give you a certain health class determined by you health history, current health and your family history.
Your health class factors in to the rate you will be charged for whatever type of insurance you choose to purchase.
Companies can have different rules on being a smoker.
Some companies don't consider you a smoker if you occasionally smoke cigars or have an occasional cigarette.
If you have smoked regularly or occasionally in the last three years it is best to speak with a representative to work with companies whose rules are most advantageous to you.
It is always smart to get lots of quotes from lots of companies.
The rate charged for the category you fall into can vary quite a bit from one company to the next.
An independent broker, who can provide quotes from all of the providers without an affiliation, and therefore obligation to a single provider, will work with you to find the lowest life insurance quote for the type of coverage you prefer.
Just know that for any type of insurance one of the final steps in the procurement process is to get a basic medical exam.