You know life insurance is a necessity, especially if you have a family.

Securing that policy can mean the difference between financial security and financial chaos for your loved ones after you die.

However, the gap between the amount of life insurance Americans have and what they think they need has widened to over $300,000.

Why is this?

One reason, we think, is the Life Insurance Medical (or Paramed) Exam before you get a policy.  The industry is changing, and there are some companies who specialize in life insurance without a medical exam.

However, if you have any prior health conditions (like a heart attack) or if you need more than $500,000 in coverage, it’s almost certain that a medical exam will be involved.

At Heart Life Insurance we have seen the results over thousands of cases and here are the facts:

With just a little bit of preparation and forethought, you can “Ace” your life insurance medical exam and save thousands on your premiums.  It really is that simple.

Infographic source: Heartlifeinsurance