Insurance companies require their applicants to undergo medical examinations when considering an insurance policy application. This has to do with determining the state of your health, which they classify such as Preferred Best, Preferred or Standard. Your rates depend on what group you belong to. Preferred Best holders get the best deals because they have the lowest risks. Medical exams required by insurance companies generally are composed of getting blood and urine samples, blood pressure testing, measuring your height and weight, and an interview with regards to your medical history. These tests could take anywhere from a quarter of an hour to about 30minutes, and could even be held in your home or anywhere convenient to you.

For everyone, death is ultimately inevitable. For the beneficiaries of a holder’s life insurance policy, it is a great gift, when, in the death of a loved one, they get the security that the policy holder wanted for them. But how do they go about the business of obtaining these benefits? First, they have to provide infallible proof of the insurer’s death. This will be verified and checked. The insurance company may not pay the benefits if the circumstances surrounding the death are questionable or suspicious. Be sure to be honest in this phase of the process, because the company may even press charges if they find out that you are trying to cheat them.

It is the norm in companies to provide insurance policies for their workers. But this option may not be the best for you. Besides your income and age, insurance policies are also based on the state of your health. They offer better terms for potential holders in good health, because they are lower risk. With company insurances, insurance is provided based on a general employee profile, which, more often than not, consist of many not-so-healthy members. In the case that you think you are not getting the best value for your payments, it might be best to avail of your own insurance policy instead of settling for the one provided by your employer.

With insurance policies, your lifestyle and activities really do matter. Some companies provide “special” terms for people considered to be “high risk” such as smokers, those with dangerous jobs and also, those people who are involved in hazardous sports such as skydiving, mountaineering and racing. People in these categories are statistically have higher rates of death, and companies look at that fact when considering your application. The thing to do in this case is to have a trusted insurance agent to find the right company and policy for you, so that you will have the best value for your money.

In making that life insurance choice, it has to be mentioned that the length of your policy really matters. Depending on your age, and of course, your needs, you have to decide how many years your insurance would cover. If you are nearing your golden years, it would be best to settle for a 10-year one. But if you are younger, let’s say, in your 30’s or 40’s, it would be good to choose a longer plan. The insurance policy should cover the time length of any loan you might have, and also, put into consideration things such as your children’s education and any medical situations that may arise.

About the author

Jon Caldwell is a professional content manager. Much of his articles can be found at