No affect
The field of insurance is regulated by the states, so there is no national insurance exam. Each state has established requirements to be able to sell different types of insurance. An exam is part of the requirement for most states, but each exam will focus on that state's laws and regulations.
There are several things you can do to help you prepare for your life insurance physical exam. 1. Don't drink caffeine the day of the exam. 2. Schedule the exam for the morning. 3. Don't exercise the day of the exam. 4. Don't eat poppyseed bagels before the exam, sometimes this may give a false positive for drugs in your system.
You can get life insurance online without a medical exam. Some websites you can go on to get life insurance without a medical exam are AnicoDirect and Efinancial.
Check out your States department of insurance found on line. I imagine you would have to sit for the exam again.
The cost to get no medical exam life insurance is about $500-1000 a year.
There are many Insurance Companies that will offer life insurance policies without a medical exam. However, the rates will most likely be higher than you would pay for a life insurance policy from an insurer requiring a physical exam.
It depends, for you go for the life insurance with exam and you are not helthy, it is going to be more expensive than the no medical exam life insurance, but if you are helthy it is going to be cheaper.
You are to undergo IRDA training, appear in their exam. After passing the said exam you are elible to get the general insurance agency.
010. R REcall exam
There are many companies that offer life insurance without medical exams in the State of California. Most of which offer increased rates due to the no medical exam. Here is the website to one I found: https://www.primequote.com/
Check with equote.com for no medical exam life insurance. MatrixDirect.com may also be able to help you with that type insurance.
Yes there is. Mutual of Omaha is a reputable life insurance company that does not require a physical exam.