Do all life insurance companies require that you take a physical in order to get a policy?


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2010-02-25 16:25:56
2010-02-25 16:25:56

No, not all insurance companies require that you take a physical in order to get a policy. One such example is GEICO and Allstate.

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Your husband cannot legally obtain life insurance on you without your knowledge. And most companies require at least a cursory physical before agreeing to insure someone.

Unless you've totally paid off your house, mortgage companies will generally require you to have a homeowners policy.

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You should contact your Insurance Company and ask them. Different Insurance companies have their own rules. Some will but they are gonna have a time limit or may require you reapply for a new policy. You just have to ask.

Yes, Mortgage Finance Companies require that Your Home Hazard Insurance Policy be in place before you can close the sale.

Only your Insurance Companies own website will give you access to your auto insurance policy.

Sure. You can buy liability insurance on the car but I doubt if the insurance company would sell you a policy with physical damage coverage. Most insurance companies would require you to have the vehicle repaired before allowing you to have physical damage coverage. You would have to have it inspected and photographed by the agent. As long as you have comprehensive coverage, most auto insurance companies would cover for hail damage. However, check your policy to make sure that there's hail damage is not excluded. Be prepared for hikes in premiums though; when an area has a lot of claims, the rates there tend to rise.

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Yes, as long as you had comprehensive and collision insurance on your own policy. Rental companies require you to have these and the other party will not pay for them.

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Most insurance companies require that you have an insurable interest in order to be able to insure something such as a car. Some companies require that your name appear on the title or registration in order to be able to purchase an auto policy in your name.

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In the state of Texas you do not have to list your child on your policy. If living in your home you can enlist a separate policy for that child. If living in another home it is never a requirement to have them on your policy although there are some policies which certain insurance companies write which require the child on your policy while living in your residence.

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One can obtain a mortgage insurance policy from many different companies. Some examples of companies that offer mortgage insurance policies include Prudential and United Life Direct.

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If the moped is power driven, you obviously require insurance policy for the same. Further, whether the moped plys in private or public road is also a factor. In the later case only, insurance policy will be required.

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They are not required to certify your copy of the policy. An Insurance declarations page (Policy Page) is already considered a legal document. I think most states will require that a copy be conveyed within 10 to 30 days depending on your state of residence. Most companies will send a policy holders copy promptly on any request of their insured. Many companies now offer instant online policy access to insureds as well.

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