Maryland Term Life Insurance Buyers Guide

Choosing the Right Amount of Coverage

The amount of life insurance protection you should buy depends on how much income your survivors will need, how much you own and owe, and the amount of other life insurance available to you. If you're married, both you and your spouse should consider buying life insurance.

Life Insurance for Children

Common arguments for insuring children includes time and insurability. Most children have a much longer life expectancy than adults, resulting in very low premium costs. Parents can purchase higher amounts of life insurance for relatively little cost that the child can carry with them well into their adult years, depending on the policy.

When it comes to life insurance coverage, insurability also is extremely important. A child who develops a significant illness at an early age, such as leukemia or diabetes, will have a more difficult time obtaining coverage in the future.

Important Things to Consider

Review your own insurance needs and circumstances. Choose the kind of policy that has benefits that most closely fit your needs. Ask an agent or company to help you.
Be sure that you can handle premium payments. Can you afford the initial premium? If the premium increases later and you still need insurance, can you still afford it?
Don't sign an insurance application until you review it carefully to be sure all the answers are complete and accurate.
Don't buy life insurance unless you intent to stick with your plan. It may be very costly if you quit during the early years of the policy.
Don't drop one policy and buy another without a thorough study of the new policy and the one you have now. Replacing your insurance may be costly.
Read your policy carefully. Ask your agent or company about anything that is not clear to you.
Review your life insurance program with your agent or company every few years to keep up with changes in your income and your needs.

Buying Life Insurance

When you buy life insurance, you want coverage that fits your needs. First, decide how much you need - and for how long - and what you can afford to pay. Keep in mind the major reason you buy life insurance is to cover the financial effect of unexpected or untimely death. Life insurance can also be one of many ways you plan for the future.

Next, learn what kinds of policies will meet your needs and pick the one that best suits you.

Then, choose the combination of policy premium and benefit that emphasizes protection in case of early death, or benefits in case of long life, or a combination of both.

It makes good sense to ask a life insurance agent or company to help you. An agent can help you review your insurance needs and give you information about the available policies. If one kind of policy doesn't seem to fit your needs, ask about others.

This guide provides only basic information. You can get more facts from a life insurance agent or company or from the internet and your public library.

Paramedical Exam Tips

Here are some of the best tips that you can use to ensure that you obtain thebest possible results on your exam.

Fast for a minimum of 8 Hours Prior to Exam unless you are diabetic or have another health condition. If you do have a health condition we will discuss specific instructions for your case.
Insist on Morning appointments only! -
- Blood pressure and exam resultstend to be better in the morning. Many examiners are available on Saturdays as well.
If you are sick on the day of your exam, cancel. We can always reschedule the exam when you are better.
Take your medications as you normally would.
Avoid alcohol for a minimum of 24 hours prior to your exam. Blood pressure, liver enzymes and more may be elevated otherwise.
If you smoke, do not smoke prior to your exam. Smoking raises blood pressure. For cigar smokers and other tobacco users - Some of the companies will give you a non-smoker rate but your urine sample needs to be negative for nicotine.
Your weight -
- Check your weight in the days leading up to your exam. On the day of your exam, take your shoes off, don't wear belts, empty your pockets, wear light clothing. IMORTANT - Make sure you ask the examiner what your weight is. If you think it is wrong, ask them to weigh you again.
Your height -
- Stand up straight just like Mom told you to.
- IMPORTANT - Ask the examiner what your height is. If you think it is wrong, ask them to check again.
Avoid Caffeine on Exam day -
- Caffeine elevates your blood pressure.Avoid it for at least a few hours prior to exam.
Cholesterol TIP - Eat plenty of oatmeal and bananas in the week leading up to your exam and lay off the sweets and other cholesterol elevating foods.
Exercise TIP -
- If you exercise, do NOT exercise on the morning of your exam. Exercise may artificially raise your blood pressure.
Water -
- Drink lots of water to flush out your system leading up to the exam.