Most carriers commonly use some kind of medical exam procedure to judge any conditions or history that might affect the applicant’s rate for insurance or deny him or her coverage altogether. Historically it has been a standard part of the mainstream life insurance process. More and more however, we are seeing carriers developing processes for determining an applicant’s insurability without any face-to-face contact between the applicant and an agent or examiner. This can greatly reduce the time and expense of for insurance companies to get policies issued and make the process much easier and more pleasant for you as an applicant.
By Quality Quick Quote