Why
Do I Need a Life Insurance Exam?
A life insurance exam is standard practice
- many life insurance carriers require that applicants take medical exams to
determine the rate you are charged for your term and whole life insurance
policies. Although you may want to avoid an exam or feel it is unnecessary, you
will generally get a better rate if you submit yourself to a life insurance
exam by a paramedical professional. These medical professionals are paid by
life insurance companies to perform exams and report the findings back to them.
Many times they are mobile and can come to you, or you can schedule an exam at
a clinic specified by the insurance company. If you are under 40 and in good
health, you may not need to take a medical exam in order to obtain life
insurance. Each company has its own requirements, so it is best to check with your
agent.
Darien, Connecticut is a popular community for executives, professionals and their families because of its blend of seaside living and easy commuting distance to major business and metropolitan centers.
The combination of Darien’s upscale waterfront living, its outstanding schools and close proximity to corporate centers makes Darien one of Connecticut’s best cities for your home and family.
What is it?
It is a standard calculation of your dwelling’s energy performance, so basically it is to measure how much energy and carbon your house will use and produce annually. There are exceptions for certain categories of homes, for example, protected structures and certain temporary homes.
Who needs a BER Certificate?
A seller must provide a BER to prospective buyers or tenants when a home is constructed, sold or rented. All existing homes for sale or rent on or after the 1st of January 2009. An existing dwelling is a dwelling which has previously been sold and/or occupied.
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