The best place to start is with the company your husband has his life insurance through. Even if he is covered through his place of employment it is not uncommon for spouses to be able to be covered.
The next best place, IMHO, is to talk to an independent insurance agent who represents several insurance companies.
The insurance physical is usually no big deal. More often than not it is nurse who gives it. (I have had 3 over the years and it was always done by a nurse who came to my house at my convenience). I had my BP checked, she listened to my heart, asked a handful of questions and that was it. To call it an actual physical was kind of a joke. The whole process took maybe 15 minutes. The worst case scenario I ever heard about was taking a form into your personal physician and having your doctor give you what amounts to an annual physical and fill in the information.
Quite honestly getting life insurance is one of the easiest parts in planning for the day we no longer are here. Making a will, trying to figure out who will take care of the kids, who gets what, etc is what I found more complicated, but once it is done it is like having a huge weight lifted from your shoulders.
2 confirmed herniated lumbar discs. Spinal Arthritis. Spinal Stenosis, diabetic peripheral nueropathy.
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