What should Joe prioritize when applying for life cover with a poor medical history?

When Joe is applying for life cover with a poor medical history, prioritizing the level above which a medical is required is crucial. This is because individuals with pre-existing health issues may face challenges when applying for life insurance, as insurers typically assess health conditions to determine risk.

By understanding the threshold for requiring a medical examination, Joe can focus on policies that allow him to apply without undergoing a potentially invasive medical process. Policies that do not require a medical may offer coverage without the added stress of disclosing detailed health information, making it easier for someone with a poor medical history to secure life insurance.

Other factors such as finding the lowest premium or considering the insurance provider’s reputation are important, but they may not be as immediately impactful as whether a medical examination is necessary. The term duration of the policy is secondary in this context, as securing coverage in the first place takes precedence for someone concerned about their medical history.