Life insurance is a highly beneficial financial product to purchase, however, many people may feel very anxious about the personal questions they might have to answer to find a policy best suited for them.
While all agents make sure to make your comfort their utmost priority, here are a couple of questions you might wanna prepare for:
- Your height and weight
To get a general idea of your physical fitness the insurance companies might want to look at your Body Mass Index (BMI) value.
- Your Pre-existing medical conditions (if you have any)
If you have any pre-existing medical conditions then it is highly advised that you are honest about them and disclose all information accurately. These pieces of information help the insurance agent to find the best suitable policy for you.
- If you smoke
The insurance agents will ask if you have any habits like smoking or excessive drinking that may have adverse effects on your physical health. The information regarding these habits is perhaps one of the most important factors that help in determining the overall cost of your policy.
- If you use drugs
Similar to smoking, the insurance agent will ask you if you use drugs. Rest assured that this information is confidential and not subject to any personal or political opinion on drugs.
- If you participate in any high-risk activity