Depending on the type of life insurance policy you choose, you may be able to purchase a policy for your small business in Albany, New York, without needing to qualify by undergoing a medical exam. NY Twin Bridges Insurance Agency can help you find a policy if you are in Albany, Schenectady or Saratoga Springs.

As an independent agency, we can help you research life insurance policies that may not require medical exams or medical information. That may be the case with a guaranteed issue life insurance policy, although those policies are typically the most expensive.

Other types of policies, such as a simplified issue life policy, may require some medical information but not an exam. Simplified issue life policies are typically less costly than guaranteed issue life insurance policies yet more expensive than those that require a medical exam to qualify. You may run into exceptions if the amount of life insurance you wish to purchase is very high, in which case an exam may be required for policies that normally would not need one.

Even if you do have to undergo a medical exam to qualify for your small business life insurance policy, the exam is typically brief and only covers basic information. A life insurance medical exam usually takes about 20 minutes, and the paramedic administering the exam can often come to your home or office so you don’t have to go to them. The paramedic may ask a few questions, check your height and weight, take blood and urine samples, and request past medical records.

To learn more about your life insurance options and their qualifications call NY Twin Bridges Insurance Agency today.