If your agent is telling you that you need a new "physical" then the answer is yes. Don't worry about it, the insurance company pays for it and it is done at your convenience at your home.
Life Insurance Company
Many life insurance providers offer life insurance with no physical exam required. One well-known company is Globe Life Insurance. For customers over 50 years of age, AARP also offers a life insurance policy with no physical required.
Yes there is. Mutual of Omaha is a reputable life insurance company that does not require a physical exam.
No, term life insurance has a term, hence the name.
Universal life insurance is a form of life insurance, a policy used to provide a family with money after the death of the one getting the insurance. Universal life insurance can be purchased from many of the leading life insurance companies, including Nationwide and American Family.
Allstate insurance offers term life insurance with no exams.
You can go to this link, get a price quote and find an insurance company that will accept giving you term life insurance without a physical, http://www.primequote.com/
AMP offers life insurance to citizens of Australia, as well as loans and banking services. People who are interested in purchasing life insurance from AMP can do so over the phone.
There is no average rate for life insurance it is dependent of pre existing health conditions as well as the age of the person purchasing the coverage.
100% yes.
The benefits of purchasing cash value life insurance is to have money available in case of emergency. A cash value policy is like a bank account. You can withdraw the money paid in at anytime.
One can find information on a life insurance policy on the website of official Insurance agencies. This is possible by visiting said website, and looking at what kind of life insurance plan one is planning on purchasing.