The Life Insurance Medical Exam You Can Avoid

Many different people choose term life insurance without a medical examination. Some have health complications that may prevent them from “passing” a medical exam and getting ordinary life insurance. Some older people choose insurance with no medical exam simply because they are older; they know that many companies may deny them coverage just because they are seniors.

Other individuals of all ages choose life insurance not out of fear of the results, but simply because they want no part of the exam itself. For personal or religious reasons, they avoid everything that goes into a medical examination. So just what all is involved in the medical examination needed for ordinary life insurance?

A doctor does the exam. It usually starts with a thorough review of your medical history with questions about illnesses you have (or have had), health-related lifestyle issues (such as eating and exercise patterns, alcohol and drug use, and other behaviors), your family health history, and more.

The physical examination includes measurement of your height and weight, plus measurement of your blood pressure and heart rate. Examination of your lungs may include chest x-rays and testing of your pulmonary function (your ability to breathe).

Some physical exams include hearing and vision tests and, depending on your age, a mammogram for women and prostate exam for men. And virtually all medical examinations for life insurance include laboratory tests of your blood and urine—sent to a lab that does screening for diseases, illegal drugs, and more.

You should never avoid seeking medical care when needed. However, it’s nice to know that when it comes to buying life insurance, you have options. And one of these options makes a medical exam unnecessary. It’s called no medical exam term life insurance. You apply online by answering a few short questions about your age, height and weight, and general health. Immediately, you can get a quote—at no cost and with no obligations. If it fits your budget, you can pay online…even print out your policy.

It’s really that simple to get insurance coverage for your family and the peace of mind that comes with it. With no doctor’s appointment. No physical exam. No blood and urine tests.

What are you waiting for? Today is the day! Get life insurance without a medical examination.

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