Applying for term life insurance? Going for a health check is often a critical step on your journey toward securing affordable life insurance coverage. In the end, it's required for medically underwritten policies and can usually save you money on premiums.
But as you may expect, getting an in-person examination throughout the global COVID-19 pandemic is a little- different. To begin with, demand for life insurance along with other estate planning products is high – apparently, something like a worldwide pandemic gets people considering their own mortality and also the state of the finances. Second of all, people have been postponing their exams, either for safety reasons (they're avoiding in-person interactions) or for – some other reasons. (They don't wish to wear a mask or are busy using their children at home.)
To better know very well what the knowledge is much like, and also to demonstrate Haven Life's resolve for holding you back both safe and covered during the ongoing pandemic, we spoken with three real-life customers who bought life insurance coverage during COVID-19. All of them told us their exam experience was convenient and safe, as much in order it might've been during normal times. Their examiners took all the necessary steps to minimize the potential risks of transmitting the coronavirus. This includes wearing a mask and gloves, and meeting them at the place of their choosing, for example their home, where they could manage the circumstances for safety.
Here are a few takeaways from those important conversations. And note: If you are a Haven Life customer that should schedule your exam, simply sign to your account center, and do so there. (If you’re in Ny State, you'll instead have to schedule through an ExamOne email you received or our Customer Sucess team can help.)
Scheduling is really a breeze
Anyone that has attempted to purchase, say, an inflatable pool or perhaps a bike (as well as toilet paper or hand sanitizer) knows that, right now, demand and supply are severely from wack, and wait times can be extensive for the standard of goods and services. But if you're wondering whether this applies to scheduling your health check, fear not: Once again, it's easy to schedule a test for that time and place of your choosing.
As J.C. from Utah, who had her examination at a medical facility in April, told us, “I wish my regular doctor was as convenient.”
Safety is paramount
As part of our civic duty to flatten the curve, we are all taking precautions to minimize our risk of transmitting the condition: Wearing masks, limiting our travel, working from home whenever you can. The reality is those given the job of protecting our safety do everything they can, too, whether they're front-line healthcare workers or medical examiners. (We partner using the third-party exam administration experts at ExamOne.) Your examiner will wear a mask and gloves, and will not are accountable to operate in the initial place if they're experiencing symptoms.
The same J.C. mentioned above had her appointment in April, after which the entire country was essentially in lockdown. She was very happy to find her examiner wearing a mask and following all protocols. Her experience is a reminder of the reason why you perform the exam in the first place. “I had many userful stuff here from my exam which i had not gotten before from my regular doctors,” she says. “So that in my experience was worth every minute from it. That tied into items that I desired to deal with.” Specifically, she discussed a kidney issue and the fact that she was pre-diabetic. After taking the exam, she changed her diet and has since lost five pounds. (Sorry, folks, we can not guarantee similar recent results for everybody.)
Convenience remains a priority
Let's say you're a working parent. You may be spending every waking hour in your house trying to juggle conference calls with keeping the children fed/ safe/ entertained. It is sometimes complicated, and maybe it seems like the last thing you need would be to introduce another element to the chaos.
But here's the thing. As you prepare to obtain term life insurance – and help financially protect all your family members for the following 10 to 30 years – a certain sense of urgency kicks in. Waiting until the pandemic has transpired – and also at as soon as, there is no result in sight – is not a viable option. But while your day-to-day situation may well be a stressful one, it's nothing a medical examiner hasn't seen before.
Case in point? Maria G. in the District of Columbia, whose three young children weren't about to let a little thing just like a medical exam keep them from getting together with her. “The nurse was very patient,” says Maria, who had her appointment in late March. “I had all three of my children home, and my three-year-old kept finding us, and wanted to sit in my lap during the blood pressure level test.”
Despite what could've been a stressful situation, Maria found the examiner helped her keep her cool. “I avoid well with medical appointments usually,” she says. “I get really stressed out and nervous. Having that calm sensibility is imperative for anyone doing that. The [examiner] that arrived on the scene and handled the appointment was really great, and followed up afterward to make sure I knew how to get my results.”
In uncertain times, life insurance can bring peace of mind
Think of where we're now, and then consider where i was in February or perhaps early March. The term coronavirus was new and novel, but not entirely uncommon. There were concerns the summer Olympics may be postponed, and fears the virus could spread towards the Usa. Major tech conferences were canceled, while some large gatherings were not. For the person with average skills, it seemed likely that the coronavirus might arrived at the U.S. which life would get strange as it were. But it also seemed like maybe, when we played our cards right, things might go back to normal by summer.
That obviously didn't happen. And it is an indication that none of us knows what might be coming. Which financially protecting all your family members from the unexpected is just smart. For Jonathan W. from La, there is a sense that obtaining the exam in February was the right choice. There was risk then – the very first U.S. cases were in January – but he suspected the risk would only increase. “We were conscious of that which was going on with coronavirus, so it was best to have some extra peace of mind,” Jonathan says.
The same applies today. As painful as the virus has already been, and as hopeful naturally we all are that the vaccine will come soon, the reality is that nobody can tell what's next. That's a primary reason you receive term life in the first place. Just like the best time to have it is when you're young and healthy – your rates will be lower, and you will have the peace of mind that coverage brings immediately – it is also wise to have it essentially as soon as you are able.
At Haven Life, our simple goal is to make life insurance coverage easy. One way we're doing that's continuing to supply simple, convenient in-person medical exams. After all, so many things in the world are on pause at this time because of the coronavirus pandemic. Your family's security, as well as your peace of mind, shouldn't be among them.