Life Insurance Medical Exam Guide (Updated for 2025)

Securing life insurance is a fundamental step in protecting your family’s financial future. But the process often involves a step that raises questions: the medical exam for life insurance. What exactly is it? Why is it necessary? And how can you prepare? Understanding this process demystifies a key part of obtaining coverage and can even help you secure better rates.

At Insurance By Heroes, we understand that navigating the world of insurance can feel overwhelming. Founded by a former first responder and military spouse, our agency is staffed by professionals who share a background in public service. We bring that same dedication and commitment to serving our clients. As an independent agency, we aren’t tied to a single insurance company. Instead, we partner with dozens of top-rated carriers across the nation. This allows us to shop the market extensively on your behalf, comparing policies and rates to find coverage that truly fits your unique situation and budget. We know that one size rarely fits all when it comes to insurance, and our goal is to tailor a solution specifically for you.

This guide will walk you through everything you need to know about the medical exam for life insurance, helping you approach it with confidence.

What is a Life Insurance Medical Exam?

A life insurance medical exam, often called a paramedical exam, is essentially a brief health assessment requested and paid for by the life insurance company you’ve applied to. It’s similar to a routine physical check-up but is specifically focused on gathering information relevant to assessing your life expectancy and overall health risk.

Think of it as the insurance company doing its due diligence. They need accurate information to determine if they can offer you coverage and, if so, at what price (premium). The exam provides objective health data that complements the information you provide on your application.

It’s important to remember that this exam is typically conducted by a licensed paramedical professional (often a nurse or phlebotomist) contracted by the insurance company, not necessarily your own doctor. The process is designed to be convenient and is often conducted at your home or workplace.

Why Do Insurers Require Medical Exams?

Insurance companies rely on medical exams for several critical reasons, all centered around the principle of risk assessment and fair pricing:

• Accurate Risk Assessment: Life insurance is based on risk pools. The insurer needs to understand the level of risk associated with insuring your life. Your current health, medical history, family history, and lifestyle choices all influence your mortality risk (the statistical likelihood of passing away within a certain timeframe). The medical exam provides concrete data points – like blood pressure readings, cholesterol levels, and nicotine use indicators – that help quantify this risk.
• Fair Premium Pricing: The results of the medical exam directly impact the premium you’ll pay. Insurers use a system of risk classifications (like Preferred Plus, Preferred, Standard, Substandard) based on exam results and other application data. Healthier individuals with lower risk profiles generally qualify for lower premiums, while those with higher risks will pay more. The exam helps ensure you are placed in the appropriate risk class and pay a premium that accurately reflects your risk level. Without it, everyone might have to pay a higher average rate.
• Preventing Adverse Selection: Adverse selection happens when individuals with higher-than-average risk are more likely to purchase insurance than those with lower-than-average risk, without disclosing their full risk profile. If insurers couldn’t verify health information through exams, they might disproportionately insure higher-risk individuals at standard rates, leading to financial instability for the insurer and potentially higher costs for all policyholders. Medical exams help mitigate this by providing objective health verification.
• Verifying Application Information: The exam serves as a way to confirm the health information you provided on your application. While honesty is always expected, the exam provides objective measurements and test results that verify self-reported data, ensuring accuracy in the underwriting process.

Understanding these reasons helps clarify why the medical exam for life insurance is a standard part of the application process for many types of policies, especially those offering higher coverage amounts or lower premiums.

What Happens During the Medical Exam?

The life insurance medical exam is usually straightforward and relatively quick, typically lasting between 20 and 45 minutes. Here’s a breakdown of what you can generally expect:

Scheduling and Location

Once your application reaches the stage requiring an exam, the insurance company (or a third-party service they contract with) will contact you to schedule it. You can usually choose a time and location that’s convenient for you – your home, your office, or sometimes an approved exam center.

The Exam Components

While the specifics can vary slightly depending on the insurer, your age, and the amount of coverage you’re applying for, most exams include the following:

• Medical History Questionnaire: The examiner will review your medical history with you. Be prepared to answer detailed questions about:
  • Past and present health conditions (e.g., diabetes, heart issues, cancer, respiratory problems).
  • Surgeries and hospitalizations.
  • Current medications (prescription, over-the-counter, supplements – have a list ready!).
  • Your primary care physician’s name and contact information, as well as any specialists you see.
  • Family medical history (parents, siblings – especially regarding conditions like heart disease, stroke, diabetes, cancer occurring at younger ages).
  • Lifestyle habits (smoking/nicotine use, alcohol consumption, recreational drug use, high-risk hobbies like scuba diving or aviation).

  Honesty and thoroughness are crucial here. Discrepancies between your application and your verbal answers, or later findings, can delay or jeopardize your application.

• Physical Measurements: The examiner will record basic physical data:
  • Height and weight (used to calculate Body Mass Index, or BMI).
  • Blood pressure reading (usually taken multiple times for accuracy).
  • Pulse rate.
  • Sometimes chest and waist measurements.
• Specimen Collection: This is a key part of the exam:
  • Blood Sample: A small sample of blood will be drawn, similar to routine lab work. This sample is tested for various indicators, including:
    • Cholesterol levels (HDL, LDL, triglycerides).
    • Glucose levels (checking for diabetes or pre-diabetes).
    • Liver and kidney function tests.
    • Proteins (indicating various health conditions).
    • Presence of nicotine/cotinine (verifying smoking status).
    • Presence of illicit drugs.
    • HIV antibodies (consent is usually required).
  • Urine Sample: You’ll be asked to provide a urine sample. This is analyzed for:
    • Glucose and proteins (indicators of kidney issues or diabetes).
    • Nicotine/cotinine.
    • Prescription and illicit drugs.
    • Creatinine levels (kidney function).
• Potential Additional Tests: Depending on your age (often over 50 or 60) and the amount of life insurance coverage requested (often over $1 million), additional tests might be required:
  • Electrocardiogram (EKG or ECG): A non-invasive test that records the electrical activity of your heart. It involves placing small electrode patches on your chest, arms, and legs.
  • Cognitive Assessment Tests: Simple tests of memory or cognitive function, sometimes requested for older applicants.
  • Saliva Swab: Sometimes used instead of or in addition to blood/urine for specific tests like HIV or nicotine.

The examiner’s role is solely to collect information and specimens accurately. They do not make decisions about your insurability or premiums; that happens during the underwriting process after the lab processes your samples and the insurer reviews all the data.

Remember, while this seems detailed, the process is routine for the examiner. Being prepared can make it a smooth and stress-free experience.

How to Prepare for Your Medical Exam

While you can’t fundamentally change your health overnight, taking simple steps before your medical exam for life insurance can help ensure the results accurately reflect your typical health status and avoid potentially skewed readings. Preparation involves actions in the days leading up to, and on the day of, the exam.

In the 24-48 Hours Before the Exam:

• Avoid Strenuous Exercise: Intense workouts can temporarily elevate protein levels in urine and affect blood pressure or pulse readings. Stick to light activity like walking.
• Watch Your Diet: Limit foods high in salt, sugar, and unhealthy fats. Salty foods can increase blood pressure, while sugary or fatty foods can affect blood glucose and cholesterol readings. Focus on whole grains, lean proteins, fruits, and vegetables.
• Avoid Alcohol and Caffeine: Both can dehydrate you and temporarily raise blood pressure. Skip the wine, beer, coffee, tea, and energy drinks for at least 24 hours beforehand.
• Hydrate Well with Water: Drink plenty of water. This helps ensure you can easily provide a urine sample and can also help flush your system. However, avoid excessive amounts right before the exam, as it might dilute the urine sample too much.
• Get Adequate Sleep: Aim for a full night’s rest (7-8 hours). Being well-rested helps your body function optimally and can positively impact blood pressure and pulse readings.
• Avoid Over-the-Counter Medications if Possible: Some medications, like decongestants or certain pain relievers (NSAIDs), can affect blood pressure or other results. Consult your doctor if you’re unsure, but don’t stop taking prescribed medication. Inform the examiner about any recent OTC medication use.

On the Day of the Exam:

• Fasting (If Required): The testing lab often requests an 8- to 12-hour fast before the exam, especially for accurate blood glucose and cholesterol readings. This typically means no food or drinks other than water after dinner the night before a morning appointment. Confirm fasting requirements when scheduling.
• Schedule for the Morning: If possible, schedule your exam early in the day. You’ll likely be more rested, and it aligns better with fasting requirements.
• Avoid Smoking/Nicotine Products: Do not smoke or use any nicotine products (vapes, patches, gum) on the day of the exam before your appointment, as this can significantly impact blood pressure, pulse, and nicotine test results.
• Wear Lightweight Clothing: Your weight will be recorded, so wear light, comfortable clothes. Avoid heavy sweaters or boots.
• Gather Necessary Information: Have the following ready for the examiner:
  • Photo identification (driver’s license, passport).
  • A detailed list of all medications and supplements you take (including dosages).
  • Names and contact information for your doctors and specialists.
  • Approximate dates and details of past diagnoses, surgeries, or significant medical treatments.
  • Information about your family’s medical history.
• Relax: Feeling stressed or anxious (“white coat syndrome”) can temporarily elevate your blood pressure. Try to relax before and during the exam. Take deep breaths. Remember this is a routine procedure.

By following these preparation tips, you help ensure the medical exam captures the most accurate snapshot of your current health, which is essential for the underwriting process.

What Are Insurers Looking For?

When underwriters review the results from your medical exam for life insurance, along with your application and other data sources (like the MIB Group and prescription databases), they are building a comprehensive picture of your health and mortality risk. They focus on several key areas:

Specific Health Conditions

The presence, severity, and management of chronic or significant health conditions are primary factors. These include, but are not limited to:

• Cardiovascular Issues: High blood pressure (hypertension), high cholesterol, history of heart attack, stroke, heart disease, murmurs, or other circulatory problems.
• Metabolic Disorders: Diabetes (Type 1 or Type 2), pre-diabetes, metabolic syndrome. Control levels (like A1c for diabetes) are very important.
• Respiratory Conditions: Asthma, COPD, emphysema, sleep apnea.
• Cancer: History of any type of cancer, including type, stage, treatment dates, and remission status.
• Kidney and Liver Function: Tests check for indicators of kidney disease or liver damage (which can be caused by various conditions, including hepatitis or alcohol abuse).
• Neurological Disorders: Conditions like epilepsy, multiple sclerosis, Parkinson’s disease.
• Infectious Diseases: HIV/AIDS, hepatitis C.
• Mental Health Conditions: History of severe depression, anxiety disorders, bipolar disorder, etc., particularly if they have required hospitalization or impact daily functioning.

Lifestyle Factors

Your habits and lifestyle choices significantly influence risk:

• Tobacco/Nicotine Use: This is a major factor. Any use of cigarettes, cigars, pipes, chewing tobacco, vaping, or nicotine patches/gum within the last 1-5 years (depending on the insurer) usually results in smoker rates, which are significantly higher. Tests specifically detect cotinine, a byproduct of nicotine.
• Alcohol Consumption: Moderate consumption is usually acceptable, but heavy or binge drinking raises concerns and can affect liver function tests.
• Drug Use: Use of illicit drugs (marijuana, cocaine, opioids, etc.) is a major red flag and can lead to application denial. Prescription drug use is evaluated based on the underlying condition being treated. Be honest about marijuana use, as THC is often tested for, and different insurers have different policies regarding its use (legal status varies, but insurers assess risk).
• High-Risk Hobbies/Occupations: Activities like scuba diving, private piloting, rock climbing, or hazardous occupations can increase risk and may lead to higher premiums or policy exclusions.
• Driving Record: Multiple serious traffic violations or DUIs can indicate risky behavior and may impact rates or eligibility.

Physical Measurements

• Build (Height/Weight Ratio): Insurers use height and weight to calculate BMI. Being significantly overweight or underweight according to their build charts can place you in a higher-risk category (substandard rates) due to associations with conditions like heart disease, diabetes, or other health issues.
• Blood Pressure and Pulse: Consistently high blood pressure readings are a significant risk factor for heart disease and stroke.

Family Medical History

A history of certain conditions (especially heart disease, stroke, diabetes, or specific cancers) occurring in immediate family members (parents, siblings) at relatively young ages (e.g., before 60 or 65) can sometimes influence your risk classification, even if you are currently healthy.

The underwriter synthesizes all this information to assign you a risk class, which ultimately determines your premium. Remember, having a health condition doesn’t automatically mean denial. Well-managed conditions often allow applicants to secure coverage, sometimes even at standard rates. This is where working with an independent agency like Insurance By Heroes becomes invaluable. We know which carriers tend to look more favorably upon specific conditions or lifestyle factors, helping you apply to the company most likely to offer the best possible rating based on your individual profile.

Understanding the Results and Underwriting Process

After your medical exam for life insurance is complete, the collected samples (blood, urine) are sent to a laboratory for analysis. The lab results are then forwarded securely to the insurance company’s underwriting department. This is where the decision-making process truly begins.

The Underwriting Review

Underwriters are risk assessment specialists. They don’t just look at the lab results in isolation. They conduct a holistic review of your entire application file, which includes:

• Your completed application form (details about health, lifestyle, finances, etc.).
• The results from your paramedical exam (physical measurements, lab tests).
• Information from the MIB Group (formerly Medical Information Bureau), a database shared by insurers containing brief, coded information about previous insurance applications.
• A review of your prescription drug history through databases accessed with your consent.
• Sometimes, an Attending Physician Statement (APS) – a detailed report requested directly from your doctor(s) to clarify medical history or specific conditions.

The underwriter evaluates all this information against the company’s specific underwriting guidelines.

Risk Classifications

Based on their assessment, the underwriter assigns you to a risk classification. While the names might vary slightly between companies, common classifications include:

• Preferred Plus / Premier: The best possible rating, reserved for individuals in excellent health with squeaky-clean medical history, ideal build, no tobacco use, and minimal risk factors. Qualifies for the lowest premiums.
• Preferred: Excellent health, but perhaps one or two minor factors prevent the top rating (e.g., slightly elevated cholesterol that’s well-controlled, family history). Still qualifies for very low premiums.
• Standard Plus / Select: Above-average health, perhaps slightly higher BMI or blood pressure readings that are still within acceptable limits. Qualifies for better-than-average premiums.
• Standard: Average health, meeting the company’s standard criteria. May have common conditions (like well-controlled high blood pressure or type 2 diabetes) or be slightly overweight. Represents the benchmark premium rate.
• Substandard (Table Ratings): For individuals with higher risks due to significant health conditions, challenging medical history, or lifestyle factors (e.g., recent cancer diagnosis, poorly controlled diabetes, high BMI, specific occupations). Premiums are higher than Standard, typically calculated as the Standard rate plus an additional percentage (e.g., Table B might be Standard + 50%, Table D might be Standard + 100%). Ratings are often assigned letters or numbers (e.g., Table A-P or Table 1-16).
• Postponed: The insurer may decide to postpone a decision for a period (e.g., 6 months or a year) if you have a very recent diagnosis, are undergoing treatment, or have planned surgery. They need more time to assess stability or outcome.
• Declined: If the assessed risk is deemed too high according to the insurer’s guidelines (e.g., severe uncontrolled conditions, recent major health event, significant drug use), the application may be declined.

Timeline and Communication

The underwriting process, especially if an APS is required, can take time – typically anywhere from 3 to 8 weeks after the medical exam. Some simpler cases might be faster, while complex ones can take longer.

Once a decision is made, the insurance company will communicate the outcome to your agent (like us at Insurance By Heroes), who will then inform you. If approved, you’ll receive the offer, including the risk classification and final premium. You then decide whether to accept the policy.

You generally have the right to request a copy of your lab results from the exam, often through the MIB or directly via the insurer, which can be useful information for your own health awareness.

If your rating isn’t what you hoped for, or if you are declined, don’t despair. This is where Insurance By Heroes truly shines. Since we work with many different carriers, an unfavorable outcome with one company doesn’t mean you can’t get coverage elsewhere. Different insurers have different “niches” and underwriting guidelines. We can take your information (with your permission) and approach other carriers that may be a better fit for your specific health profile.

Can You Get Life Insurance Without a Medical Exam?

Yes, absolutely. While the traditional, fully underwritten process involving a medical exam often yields the lowest premiums for healthy individuals seeking significant coverage, there are increasingly popular options for obtaining life insurance without undergoing a physical exam. These are often referred to as “no-exam,” “accelerated underwriting,” or “simplified issue” policies.

Types of No-Exam Life Insurance

It’s important to understand the distinctions:

• Accelerated Underwriting (AU): This process still involves comprehensive health questions on the application. Insurers then use sophisticated algorithms, database checks (MIB, prescription history, motor vehicle records), and sometimes telephone interviews to assess risk *instead* of a paramedical exam. If you meet certain health and age criteria, you might qualify for coverage amounts similar to fully underwritten policies, often with competitive premiums, and much faster approval times (sometimes days or even minutes). However, if the algorithms flag potential risks, the insurer might still require a medical exam.
• Simplified Issue Life Insurance: This type involves fewer health questions than traditional or AU policies, and no medical exam is required. Approval relies heavily on your answers and database checks. Because the insurer has less detailed health information, the risk is perceived as higher. Consequently, simplified issue policies generally have:
  • Lower coverage limits (e.g., often capping around $500,000, though some go higher).
  • Higher premiums compared to fully underwritten or AU policies for the same coverage amount.

  Approval can be very fast, sometimes within days.

• Guaranteed Issue (or Guaranteed Acceptance) Life Insurance: This requires no medical exam and asks no health questions. As long as you meet the age requirements (usually geared towards seniors, e.g., 50-85) and reside in an eligible state, acceptance is guaranteed. However, this comes with significant trade-offs:
  • Very low coverage amounts (typically $5,000 to $25,000, sometimes up to $50,000).
  • The highest premiums relative to the coverage amount.
  • A “graded death benefit.” This means if the insured passes away from natural causes within the first two or three years of the policy (the graded period), the beneficiaries receive only a return of the premiums paid, possibly with some interest, not the full face amount. Accidental death is usually covered in full from day one.

  Guaranteed issue is often a last resort for those with serious health conditions who cannot qualify for other types of insurance, primarily intended to cover final expenses like funeral costs.

Pros and Cons of No-Exam Policies

Pros:

• Speed: Approval is much faster than traditional underwriting.
• Convenience: No need to schedule or undergo a physical exam, blood draw, or urine sample.
• Accessibility: May provide an option for individuals with moderate health issues or those averse to medical exams.

Cons:

• Cost: Generally more expensive per dollar of coverage than fully underwritten policies (except potentially some AU policies for very healthy applicants).
• Coverage Limits: Often lower maximum coverage amounts available, especially for simplified and guaranteed issue.
• Less Personalized Pricing: Premiums are based on broader risk categories due to less specific health data.
• Graded Benefits (Guaranteed Issue): Limited payout in the initial years for non-accidental death.

Is No-Exam Right for You?

No-exam policies can be a great fit for:

• Younger, relatively healthy individuals who qualify for accelerated underwriting and prioritize speed and convenience.
• People needing coverage quickly (e.g., to secure a loan).
• Individuals with moderate health conditions who might face challenges or high ratings with traditional underwriting.
• Those with a strong aversion to needles or medical exams.
• Seniors or those with significant health issues looking for final expense coverage (Guaranteed Issue).

However, if you are generally healthy and seeking the highest coverage amount for the lowest possible premium, the traditional route with a medical exam for life insurance is often the most cost-effective. The key is understanding the trade-offs.

At Insurance By Heroes, we don’t push one type of policy over another. Because we work with numerous carriers offering both traditional (exam) and various no-exam options, we can help you compare them side-by-side. We’ll assess your health profile, coverage needs, budget, and timeline to determine which approach and which specific carrier’s product makes the most sense for your unique circumstances. Not all no-exam policies are created equal, and navigating the differences requires expertise.

The Insurance By Heroes Difference: Service You Can Trust

Choosing life insurance is a significant decision, one that provides peace of mind and protects the people you care about most. Navigating the application process, especially understanding requirements like the medical exam for life insurance, can feel complex. That’s where having the right partner makes all the difference.

Insurance By Heroes was founded by a former first responder and military spouse. Our team comprises dedicated professionals, many with backgrounds in public service fields like firefighting, law enforcement, EMS, military service, and education. We haven’t just learned about service; we’ve lived it. This foundation shapes our entire approach to insurance. We understand the unique needs and challenges faced by service members, veterans, first responders, educators, and their families, but our commitment extends to serving *all* families seeking protection and security.

What truly sets us apart is our independence. We are not captive agents bound to sell products from only one insurance company. Instead, Insurance By Heroes partners with dozens of highly-rated insurance carriers across the country. This independence is your advantage. It means:

• Unbiased Comparisons: We can objectively shop the market for you, comparing policies, features, and pricing from numerous companies. Whether you need a policy requiring a medical exam or are exploring no-exam options, we find the carriers competing for your business.
• Tailored Solutions: We know that underwriting guidelines vary significantly between insurers. One company might offer preferred rates to someone managing diabetes well, while another might be more lenient regarding BMI or family history. One carrier might have excellent accelerated underwriting programs, while another excels with specific substandard risks. Our expertise lies in matching your individual health profile and needs to the carrier most likely to offer the best terms and rates. We don’t try to fit you into a pre-set box; we find the box that fits you.
• Personalized Guidance: We take the time to understand your situation, explain your options clearly (without confusing jargon), and guide you through every step of the process. If a medical exam is needed, we help you prepare. If a no-exam policy seems suitable, we explain the trade-offs. Our goal is to empower you to make informed decisions.
• Commitment Beyond the Sale: Our public service background instills a deep sense of duty. We’re not just selling policies; we’re building relationships based on trust and dedicated support, ensuring your coverage continues to meet your needs over time.

Choosing Insurance By Heroes means choosing a team that understands the importance of protection, values service, and has the resources and independence to put your interests first. We leverage our extensive carrier network to find the right life insurance solution, tailored specifically for you and your family.

Common Questions About the Life Insurance Medical Exam (FAQ)

Here are answers to some frequently asked questions regarding the medical exam for life insurance:

• How long does the actual exam take?

  The appointment itself is usually quite brief, typically lasting between 20 and 45 minutes, depending on whether additional tests like an EKG are required.

• Does the medical exam cost me anything?

  No, the insurance company pays for the exam. There is no cost to you as the applicant.

• What if I have a pre-existing medical condition? Should I hide it?

  Never hide a pre-existing condition. Be completely honest on your application and during the exam. Insurers have ways (MIB, prescription databases, APS) to verify information, and dishonesty can lead to application denial or even policy cancellation later if discovered (contestability period). Having a condition doesn’t automatically mean denial. Many conditions, especially if well-managed, can still qualify for coverage, sometimes even at standard rates. Insurance By Heroes can help identify carriers that specialize in or look more favorably upon certain conditions.

• What if I’m afraid of needles or medical procedures?

  This is a valid concern for some people. Discuss this with us at Insurance By Heroes. We can explore no-exam life insurance options (Simplified Issue or potentially Accelerated Underwriting). However, be prepared that these options might come with higher premiums or lower coverage limits compared to a policy involving an exam. We can help you weigh the pros and cons.

• Can I get a copy of my medical exam results?

  Yes, in most cases. You typically have the right to request a copy of your lab results. You can usually obtain this by contacting the insurance company directly or through the MIB once the underwriting process is complete. The examiner performing the test does not provide results on the spot.

• What happens if the exam results are unfavorable?

  Unfavorable results (e.g., indicating uncontrolled conditions, previously undisclosed issues, or higher risk factors than expected) can lead to several outcomes: a higher premium than initially quoted (substandard/table rating), a postponement of the decision, or a decline of the application by that specific insurer. If this happens, Insurance By Heroes will work with you to understand the reasons and explore options with other carriers who may have different underwriting standards or offer policies designed for higher risks.

• Does marijuana use show up on the test? How does it affect my application?

  Yes, THC (the active compound in marijuana) can be detected in blood and urine tests, similar to nicotine. Insurers’ views on marijuana use vary widely and are evolving. Some may treat frequent users similarly to tobacco users (higher rates), while others may offer standard rates depending on frequency and state legality. Some may decline coverage for heavy use. Honesty is crucial, as testing will likely reveal usage. Discuss your usage patterns frankly with your agent so they can guide you toward carriers with more favorable guidelines for your situation.

Take the Next Step to Secure Your Family’s Future

Understanding the medical exam for life insurance removes a major point of uncertainty in the application process. While it’s a standard procedure for many policies aimed at providing the most coverage for the lowest cost, options exist for those seeking speed, convenience, or who have health concerns. The key is finding the right path for *you*.

The process doesn’t have to be complicated or stressful. At Insurance By Heroes, our team of service-minded professionals is uniquely equipped to guide you. Leveraging our independence and partnerships with dozens of top insurance carriers, we simplify the complex, compare your options thoroughly, and work tirelessly to find coverage that aligns perfectly with your needs and budget—whether it involves a medical exam or not.

Your family’s financial security is too important to leave to chance or navigate alone. Let our team, founded on principles of service and integrity, help you secure the peace of mind that comes with the right life insurance policy.

Ready to find your fit? Take the first step today. Fill out the simple quote form here on our page for a free, no-obligation consultation. The dedicated team at Insurance By Heroes is standing by to help you compare personalized options and protect what matters most.