The answer to that question is often no. Term life insurance is not usually,
if ever, something you can just pick up the phone and order - and if it is, be
skeptical! Most reputable term life insurance companies require potential policy
holders to undergo a medical exam as part of the application process; however,
this is not something to worry about.
Depending on your physical condition, your location, and the term life insurance
company you are making your application to, you may be able to receive the
medical exam in the comfort of your own home. The medical exam required of term
life insurance applicants is usually not a long process - all in all, expect the
exam to last anywhere from 15 to 30 minutes. More good news is that your term
life insurance medical exam is usually free.
When you head out for your term life insurance medical exam, you can expect
several things - all of which are normal of any general medical exam. The doctor
will weigh you and measure your height, take your blood pressure, and will most
likely take samples of both your blood and your urine. You will be asked
questions about your medical history so you may want to take certain information
with you for easier reference. Be prepared to discuss any past or current
medical conditions you have, any surgeries you have had, medications and/or
medical treatments you are currently taking or have taken in the past, and
possibly your family’s medical history. You may also be required to provide
contact information of previous and/or current health care professionals by whom
you have been treated.
You may be a bit hesitant to provide such personal information to a doctor that
you may not even know; however, rest assured that all information is
confidential and used only for your term life insurance application. The doctor
will send the information directly to the insurance company.
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