If you are shopping around for quotes for life insurance online, you do not need to provide personal contact information, such as your name, email address, telephone number, social security number, or date of birth. You should be able to obtain quotes online without providing personal contact information.
When shopping online for quotes, however, you may be asked to answer questions regarding your height, weight, age, and even recent blood pressure and cholesterol readings. When it comes to this type of personal information, you may want to answer the questions as honestly as possible so that you get accurate quotes from life insurance companies.
When applying for a life insurance policy, most life insurance companies require that you undergo a physical exam and answer questions about your medical history. The insurers do this in order to assess whether or not insuring you would be a risk. It is also done to determine what your policy premium rate would cost you. Again, in order to get an accurate quote, it is best to be as honest as possible when answering these questions. The life insurance company will likely find out about your health status from the physical exam.
If you do not wish to undergo a physical exam, some life insurance companies offer no exam policies. You are generally guaranteed coverage under a no exam policy. However, with this type of policy, you may be offered less coverage than you desire, and premium rates may be higher than with other types of policies.
Some life insurance companies may also ask for information pertaining to your finances when you are applying for coverage. This is typically done to verify that you actually have a need life insurance coverage.
How much personal information you decide to provide to life insurance companies in order to buy life insurance is up to you. In order to receive the best rate for a policy with the most coverage available to you, it may be necessary to undergo a physical exam and medical questionnaire.
It may be to your advantage to educate yourself on the different types of life insurance policies available on the market. You may also want to determine what amount of a death benefit you would like in your policy. Knowing what type of policy and for what amount may make it easier for you to narrow down your search for a life insurance policy. Knowing what you are looking for in a policy may also make it easier to decide what amount of personal information you would like to or may need to provide in order to get the life insurance policy you desire.