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How To Buy Life Insurance During The COVID-19 Pandemic

How To Buy Life Insurance During The COVID-19 Pandemic


If you’re shopping for life insurance, you might encounter some new processes and temporary roadblocks due to COVID-19. If you’re new to buying life insurance, you may not realize that those who shopped a few months ago may have had a different experience.如果您要購買人壽保險,因在新型冠狀病毒疫情間,您可能會遇到一些新流程和臨時性限制。如果您是第一次購買人壽保險,則可能不會意識到在疫情前的購買流程及法規上的不同處。

You May Not Need a Life Insurance Medical Exam


Companies that required a life insurance medical exam a few months ago might have alternatives now. For these exams, a paramedical professional typically comes to your house and takes a variety of measurements such as height, weight and blood pressure. Getting blood and urine samples is also a standard part of a life insurance medical exam. As a substitute now, life insurers will rely more heavily on data. This could include past doctor’s records, prescription data and other types of personal information that they routinely gather. 幾個月前需要進行人壽保險體檢的公司,現在可能因新型冠狀病毒疫情而有其他選擇。一般的人壽保險體檢,通常會有一名護理人員來您家進行各種測量,例如:身高、體重和血壓。取血液以及尿液樣本也是體驗內的標準流程。作為體檢的替代方案,人壽保險公司將更加依賴數據。這可能包括他們過去收集的過去醫生的記錄、處方藥數據和其他的個人信息。"

You Might Get New Application Questions


Have you recently been on a cruise? Have you been in contact with anyone who has been diagnosed with COVID-19? Have you been tested or treated for COVID-19? You might now see questions like this on your life insurance application. A dishonest answer that’s discovered later could void your policy. And these types of questions result in a postponement of your application, not a higher rate or outright rejection. 您最近搭過郵輪嗎?您是否與被診斷出患有新型冠狀病毒的任何人接觸?您是否接受過新型冠狀病毒的檢測或治療?您現在可能會在人壽保險申請書內看到類似的問題。不誠實的答案可能會使您的保單徹底無效。而這些問題也可能會導致您的申請被推遲,並不是更高的申請率或被徹底拒絕。


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