Life Insurance Facts

Can you get no medical life insurance? Most likely no. It is not that easy to get term life insurance no medical as most established and well known insurance companies will require you to have a medical examination for a successful application. Understanding what is term life insurance is important before you take the coverage. Nevertheless, one should not be frightened. You may be able to get the medical done from your home depending on where you live and your state of health.

The medical exam undertaken in most cases is normally a very short process which can take at most thirty minutes. There will be no cost to you for the examination to be done as the insurer will meet the costs.

Before you meet with the term life insurance medical exam team, you should be psychologically prepared on the process you will go through. The kind of medical exams that you will carried through are the same as those conducted by your family or personal doctor which include testing the urine, blood, your height and weight will also be recorded, blood sugar and blood pressure.

If you have been tested before by another doctor then it is a good idea to record or know the findings of the test before hand since you will be interrogated on your medical history, your family’s medical history e.g. cancer history in the family, the medicines that you have taken for a long time ago or you are currently taking and any major surgery you have had. Your former doctor and new doctor contact information details are also required. This information is taken with utmost confidentiality on the part of the medical team and you should not be worried when giving out your medical and personal details since it is relevant for your term life insurance  and any other different types of life insurance application process.

Once the medical exam is over, then the findings are sent straight to the insurance company by the doctor.