life with no exam. Not that there are term life companies out there offering term life policies with no medical exams, but, there are some out there.

Whether or not you are going to be able to get term life with no exam really depends on the term life company from which you want to purchase your term life policy. Each term life company requires, or does not require, its potential policyholders to undergo a medical exam based on that particular term life company’s underwriting process. For example, some fly-by-night term life company’s may try to lure customers by boasting the fact that they offer term life with no exam. At the same time, longstanding and reputable term life companies may offer term life with no exam to potential policyholders of a certain age who wish to purchase a certain amount of term life insurance.

So, if you are seeking term life with no exam, you simply need to contact several different term life companies and ask about their underwriting processes as far as medical exams are concerned. Always research the term life company before purchasing anything.

Whether or not a term life company requires a full medical exam, most term life companies do require a blood sample and/or urine sample. These samples are used to determine the kinds of medical conditions you have, whether or not you know about them, therefore allowing the term life company to decipher the kind of risk they face if they insure you. Blood and urine samples are also used to find out what kinds of medications – prescription, over-the-counter, and illegal – you take.

Article Source: Articles Beyond Better

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