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What does a term life insurance medical exam consist of?



And what companies do people recommend.

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-i...

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...
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.
Check out my financial blog! http://finance1o1.blogspot.com
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.
insurance claims and regulatory background
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.
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 www.ambest.com and research any company before you decide. You want a company that will be around 50 years from now.
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