How to Get Life Insurance During COVID-19?

​COVID-19 has brought so many drastic changes and adjustments nearly everywhere in the world. If you plan to get life insurance during this time, you may face several new procedures and provisional impediments because of the pandemic. You might also notice a different experience in obtaining this insurance now than several months ago.

No Need For a Life Insurance Medical Exam
Due to the coronavirus outbreak, you may not need to take a life insurance medical exam. Alternatives are provided by life insurance companies to eliminate personal meetings and create a convenient way during this crisis.

Before COVID-19, a paramedical professional visits your house for a medical exam and takes different measurements like your height, weight, and blood pressure. But now, life insurers rely on data records as a substitute. These data gathered may include your past doctors' records and other personal health information.

Encounter New Application Questions
Since you are obtaining life insurance during a pandemic, you can get questions related to COVID-19. The application questions may ask about your travel history or personal contact situation with a coronavirus diagnosed person. Some queries also pertain to your experience if you tried a COVID-19 test or treated from COVID-19. Postponements on your insurance application may happen if you have.

Expect No Personal Meetings and Policy Deliveries
In buying life insurance, there will be no direct contact or face-to-face appointment between you and the insurance agent regarding any documents. The consultations made by the insurance agents are only through phone calls and video conferences. You must be able to provide an electronic signature for the essential documents, and the policies can be received by email to conform with social distancing measures.

Seek For the Best Offer
Looking for the best offer among the many life insurance companies is a must to compare benefits and drawbacks. You might consider insurance with policies that are comprehensive, all-inclusive, and at a reasonable price. For many years, you will likely have life insurance policies, so you must make sure that you have the necessary financial protection for you and your family.

Conclusion
Life Insurance is a functional tool for risk management and a form of investment. With life insurance already in place, it will help you eliminate the worry and relieve some burdens when having children or becoming older.

At Old Bay Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (410) 777-5390. Get your free quote today by CLICKING HERE.