Life insurance companies in Florida often require individuals to take medical exams to assess the risks they might incur by insuring them. This examination determines whether the individual is medically fit or has a terminal illness. Insurers are not obligated to provide coverage for high-risk individuals like tobacco users and people who engage in risky hobbies like skydiving, those who have a dangerous occupation, or those who have underlying health conditions. Hence, such individuals can opt for life insurance policies that do not require medical exams, such as:
Additionally, in Florida, term life policies come with a convertibility feature that can allow you to exchange your policy for permanent life insurance without taking a medical exam. Also, no medical exam is required when you need to extend your term life insurance policy upon its expiration.
Use this life insurance policy comparison worksheet to assist with shopping for the best fitting policy and comparing life insurance quotes in Florida.