Qualifying for life insurance coverage can be a challenging endeavor for people with health challenges. Insurance companies often require medical underwriting that would reveal details about your health history that could disqualify you from coverage. Also, you will have to undergo a medical examination to ascertain your present health condition.
The medical examination would usually include collecting your blood and urine samples and recording some useful information about you, such as weight, age, height, health habits, etc.
The growing need for coverage has spurred many insurance companies to adjust their product portfolios. This allows them to accommodate the seemingly uninsurable applicants that sought to get covered through the traditional life insurance policy. If you are an orthopedic surgeon in need of coverage without a medical exam, this article is for you.