Life insurance has become the most common thing that every human has or is interested to know about. The market today is flooded with so many options which a user can choose from, it is intimidating to decide. In the process of growing up, some part of you has been constantly worrying about the future.
When you are single you have no dependents and party all your savings and have a fun life. Once you start your family things are different you have many responsibilities on you. However overwhelming the choice may see it is in the best interest that the choice is made for the better future of the family. Every family has its own needs and prerequisites that are to be met.
Life insurance is an agreement between the insurance company and the policy holder for a set amount which he agrees to pay as premium and this later will be given to his loved ones when he is no longer there. life insurance premium is directly related to the life expectancy of the individual, it is obligatory by many companies to appear for a medical examination prior to obtaining the coverage.
No two humans are the same, if you always had sound health and no chronic history hereditarily then a general check up is all that you will need. However if you have history of illness and have a habit of smoking then the process is stringent. This process is entirely age dependent, some do not even require medical tests if you are very young and have a very good health. The medical underwriting becomes mandatory as you grow old.
For the most part the exam will consist of a blood test, a urine test, and a brief medical history questionnaire. Depending on your age, say 60+ and the amount of the insurance you might be required to take an ECG electrocardiogram. Don't go for any exhaustive physical activity for 24 hours prior to your test. Check the intake of salt or cholesterol for at least 24 hours prior to your test. Fast for about 7-8 hours prior to your test. If you are a coffee addict restrict it to a later day avoid consuming it the day the test is to be held. Don't take alcohol for about 8 hours prior to your test.
Once you have followed the above guidelines, there is no looking back you surely will pass the medical test and you can get the policy in no time. Once the policy is got you are set on the right track of making all your future goals successful.
Before you buy any insurance policy, make sure to visit http://www.choicesinc.ca for all your insurance needs. You can get free term life insurance quote and whole life insurance quotes for your family.
