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If the insurer is willing to accept your application, they will send you an offer. Term Life Insurance — Provides coverage for a fixed duration of time e. The policy only pays a death benefit if the insured individual dies before the policy expires. The application is completed via a phone interview process that will be gathering any additional information needed. How Much Do I Need? How big of a death benefit do I need? Exams are conducted by a licensed paramedical or medical doctor and generally require a blood and urine specimen, blood pressure readings, height and weight measurement, and a series of questions regarding your medical history.

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