Do I Need To Take A Medical Exam?
Generally, a simplified physical exam is required to obtain the lowest rates for most types of life insurance. The physical exam can be completed at your home or other convenient location. The exam generally takes only about 15-30 minutes and is conducted by a licensed paramedical or medical doctor. The exam generally involves a blood and urine specimen, blood pressure reading, height and weight measurements, and a series of questions regarding your medical history will be asked.
If you for whatever reason you do not want to take a medical exam, you can purchase "Instant Issue Insurance" wich can be purchased immmediately online, with taking a medical exam. While convenient it is more expensive than the normal underwriting procedure, and by no means a stragey to conceal medical issues to get life insurance coverage. If in the event of the insured individual's death it is discovered that health issues were not disclosed, the policy and payout of death benefit may be challenged.