Part of the process of obtaining a life insurance policy involves undergoing a physical exam. This exam helps determine your overall health and whether you have any chronic conditions that could impact your longevity. At Insurance Warehouses of America, serving Orlando, FL, we understand why you might question the need for a physical when applying for life insurance. Here’s a closer look at why it’s necessary.

Your Physical Underwrites the Policy

When you purchase a life insurance policy, you’re insuring yourself against the risk of an early death. The insurer assumes this risk and wants to ensure it is as low as possible. Your physical condition, along with medical information confirming your good health, underwrites the policy. Essentially, your good health demonstrates to the insurer that you are a low-risk individual and likely to live a long life.

Does a Chronic Condition Prevent Me From Getting Covered?

Not necessarily. Some chronic conditions may not significantly affect your lifespan. Additionally, many life insurance companies offer coverage even if you have a health condition. Each insurer has its own criteria for coverage, which is why working with an insurance agent is beneficial. An agent can help you find a policy that meets your needs and provides the coverage you’re looking for.

Call Us Today to Learn More About Life Insurance

At Insurance Warehouses of America, serving Orlando, FL, our team is here to explain how life insurance works, the different types of policies available, and what happens during a physical exam. Life insurance is a versatile type of coverage that can provide financial security for you and your family. Contact us today to learn more about why undergoing a physical is a worthwhile step in obtaining coverage.