Comments on: What does a term life insurance medical exam consist of?

By: Chuck W

Chuck W — Wed, 07 Oct 2009 12:09:46 +0000

A medical exam usually consists of blood tests and maybe a physical. When I bought a life insurance policy after getting married and having my first child, the company sent over a nurse who verified my wieght, took blood samples and verified my answers to health questions. It look less than 20 minutes. It’s no big deal as long as you’re being honest and are realtively healthy.

There are many sites whereby you can compare life insurance companies and get quotes from many sources. this site will give you quotes from several agents in your area from companies such as state farm, met life , new york life and others…
http://www.bestinsurancedeals.net/life-insurance.html

There are also companies who offer no medical exam life insurance at reasonable rates. you can get up to $150K term life in under 15min.
http://www.fastestlifeinsurance.com

By: Doing the Right Thing

Doing the Right Thing — Wed, 07 Oct 2009 12:09:46 +0000

All life insurance medical exams consist of the following:
saliva test and/or blood test
urine test
physical exam (basically just blood pressure, height and weight, cholesterol level)

I recommend Primerica Financial Services, since they started the crusade of buy term and invest the difference and they never sold a single cash value life insurance policy.

By: Harriet H

Harriet H — Wed, 07 Oct 2009 12:09:46 +0000

generally, the insurer wants to check your blood pressure and check for diabetes, and rule out any obvious health conditions that would preclude coverage. also if you said you did not have diabetes and the blood work indicates high suger levels.. the insurer may elect not to provide coverage.

By: DFW Broker

DFW Broker — Wed, 07 Oct 2009 12:09:46 +0000

depending on your age and amount of insurance it can be as little as a paramedical exam (bp, heart rate & measurements) and mouth swab, or can include some or all of urinalysis, blood draw, resting ekg, going to do a treadmill test and having a full doctors exam. The older and larger the amount the higher up that list you go.

By: PJ

PJ — Wed, 07 Oct 2009 12:09:46 +0000

Depends on the amount and your age.

Some companies have none for small amounts ($50,000) as long as you answer all the health questions with ‘no’. Or if the policy is on a 10 year old…

Some large policies we have require stress tests, full blood workup… essentially a full physical. Those tend to be for the $3 million and above.

Met Life
State Farm
Mass Mutual

Go to http://www.ambest.com and research any company before you decide. You want a company that will be around 50 years from now.

By: HG2003

HG2003 — Wed, 07 Oct 2009 12:09:46 +0000

It really depends on your age and the amount of insurance you are trying to purchase. If your under 45 and purchasing less than 100,000 worth of insurance you would most likely only have to take an ost exam, mouth swab, which is in your agents office in most cases. If your purchasing more insurance you would have to have blood profiles, urine specimen, vitals, ost, and in most instances your mvr would be run to make sure your not a high risk driving. If your over 60 than you you most likely have to have a resting ecg as well