The solution to that question is typically no. Term life insurance isn’t typically, if ever, one thing you’ll be able to simply choose up the phone and order – and if it is, be skeptical! Most reputable term life insurance firms need potential policy holders to endure a medical exam as half of the appliance method; but, this is not something to worry about.

Depending on your fitness, your location, and also the term life insurance company you’re creating your application to, you’ll be able to receive the medical exam in the comfort of your own home. The medical exam needed of term life insurance applicants is typically 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 typically free.

Once you head out for your term life insurance medical exam, you’ll be able to expect several things – all of which are normal of any general medical exam. The doctor will weigh you and live your height, take your blood pressure, and will possibly take samples of each your blood and your urine. You may be asked queries about your medical history thus you’ll want to take bound information with you for easier reference. Be ready to discuss any past or current medical conditions you have got, any surgeries you have got had, medications and/or medical treatments you’re currently taking or have taken within the past, and possibly your family’s medical history. You will additionally be required to produce contact data of previous and/or current health care professionals by whom you’ve got been treated.

You’ll be a small amount hesitant to provide such personal data to a doctor that you may not even know; but, rest assured that each one information is confidential and used solely for your term life insurance application. The doctor can send the knowledge directly to the insurance company.