Our last blog post discussed getting healthy so you can possibly lower your life insurance premiums. This post we would like to address the aspect of getting a physical for your life insurance policy. A former senior health care advisor to President Obama, Ezekiel J. Emanuel, has recently stated to The New York Times that people should just skip their annual physical. While this is an interesting perspective, skipping a physical is usually not an option for a person looking to obtain a life insurance policy.
Gulf Coast Educators Insurance offers a variety of life insurance products to residents in the Southwest Florida area. Gulf Coast Educators Insurance encourages consumers to consider purchasing life insurance in order to provide for a spouse, family, or others who rely on your income for survival. A life insurance policy can also help provide funds for medical emergencies, legal aid, and funeral costs.
Being in perfect health is not needed in order to obtain a life insurance policy. In most cases, an exam is needed to obtain your life insurance policy. However, you don’t even need to leave your home or office for your life insurance exam. A qualified person will come to you to conduct the exam. A typical exam consists of:
• Providing a detailed medical history
• Your height and weight
• Your blood pressure and pulse
• A blood sample
• A urine sample
If you are interested in obtaining a high level of insurance or are older, other tests such as an EKG or treadmill stress test might be required. The results of the tests are used to determine whether you are a candidate for life insurance and what the premium of your life insurance policy will cost.
Gulf Coast Educators Insurance encourages everyone to follow healthy habits. Losing weight, stop smoking, and exercise all help keep you in good shape. These habits might help you obtain the best life insurance policy with the best premiums.
We offer several options when considering a life insurance policy. These options include:
• Term Insurance
• Whole Life Insurance
• Universal Life Insurance
• Key Person Insurance
• Buy-Sell Agreement for business owners
Our experienced and knowledgeable insurance agents are ready to help you determine which type of life insurance is best for you and your family. We will guide you step by step in creating the best insurance policy for you. Please contact our Naples office at 239-591-0963. You can reach our Port Charlotte office at 941-391-5423. Our Ft. Myers insurance agents are available at 239-997-0420. We look forward to working with you!