Reader question:

I am looking at my Buffalo NY instant life insurance coverage form online, and have already filled one part out, but there is another which I’m supposed to have a doctor fill out. Can you explain this to me?

Jesse

Glad you asked, Jesse.

Well, the second part of the form for your Buffalo NY instant life insurance coverage will be for the medical exam which your insurance company needs in order to rate your policy based on your health. You can do two things now–you can either schedule an appointment with a physician at a clinic which the life insurance company chooses, or you can schedule a visit for a physician to come to your home and check you out. Either way, you aren’t paying. The insurance company is.

The average test for the medical exam for Buffalo NY instant life insurance coverage is pretty quick and simple. You sit down with the physician and they get information about your medical history and your family’s medical history. They look at how tall you are, how much you way. They take your blood pressure as well as your pulse. They also get blood and urine samples from you.

This won’t be the test every time. Sometimes, if you intend on purchasing a very large amount of Buffalo NY instant life insurance coverage, or if you are older, then there will be more involved in the process.

take care,

Fashun