You might be shocked - some of you pleasantly stunned - to search out out that not all tem life insurance corporations require potential policyholder's to bear a medical exam. That's right; you may get time period life insurance coverage with no exam. Not that there are time period life insurance coverage firms out there providing term life insurance policies with no medical exams, but, there are some out there.
Whether or not or not you're going to be able to get term life insurance with no examination actually depends on the term life insurance coverage company from which you need to purchase your term life insurance coverage policy. Every time period life insurance coverage company requires, or doesn't require, its potential policyholders to bear a medical examination based mostly on that exact time period life insurance coverage firm's underwriting process. For example, some fly-by-evening term life insurance coverage company's may attempt to lure prospects by boasting the fact that they provide time period life insurance with no exam. At the identical time, longstanding and reputable time period life insurance coverage companies might supply time period life insurance coverage with no examination to potential policyholders of a sure age who want to purchase a certain quantity of time period life insurance.
So, if you're seeking term life insurance coverage with no exam, you merely have to contact several totally different time period life insurance corporations and ask about their underwriting processes as far as medical exams are concerned. All the time analysis the time period life insurance company before purchasing anything.
Whether or not or not a time period life insurance company requires a full medical exam, most term life insurance corporations do require a blood pattern and/or urine sample. These samples are used to find out the kinds of medical circumstances you may have, whether or not or not you understand about them, therefore allowing the term life insurance coverage firm to decipher the form of danger they face if they insure you. Blood and urine samples are also used to seek out out what kinds of medications - prescription, over-the-counter, and illegal - you take.
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