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Why Should I Want to Take a Medical Exam?
You can get a policy where you take a medical exam to get approved and one where you don’t. Why would you want to take an exam?
If you take an exam you are telling the insurance company your are willing to PROVE that you are healthy. With a medical exam they almost always charge a lower rate. Lots of agents push no exam polices. That’s because they cost more which means a bigger commission for the agent.
There are times when no exam polices are best. If you have certain health problems a no exam policy might make sense.
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