Many life insurance companies require you to take a medical exam to qualify for coverage. It depends on the amount of life insurance you are requesting, your age, and the insurance company. A life insurance medical exam will typically mean you’ll have to give a sample of blood and urine, and an examiner will measure your height, weight, and blood pressure. If you don’t want to go through with an exam, then there are other options. There are some life insurance carriers that offer instant issue term life insurance with no medical exam required. You answer a few simple questions to get a free quote online. If you like your rates, you can apply online and get approved for your life insurance policy in as little as 15 minutes, if you qualify.
This no exam life insurance coverage is offered through life insurers that are rated “A” (Excellent) by A.M. Best for financial strength. You can even pay your first premium online with a credit card and get your policy “In Force” today. Every policy comes with a 31 day money back guarantee, no questions asked. It is a great option for people who are afraid of needles or someone who wants coverage quickly without the hassle of a medical exam.
If you need coverage today, or just don’t want to take a medical exam or blood tests, this is the solution for you. It’s the quickest, easiest term life insurance policy available online.
If you are in the process of buying life insurance, then you’ve probably realized that you have to endure a medical exam so the carrier can determine what rate you’ll pay. Good results can mean hundreds or thousands of dollars in savings over the lifetime of your policy. Many people think that there is nothing they can do to prepare for the life insurance physical, but that’s not true. No, you can’t lose 20 pounds overnight and you can’t get rid of nicotine in your system, but there are a few steps you can take that can make a difference in your blood pressure, cholesterol, and other readings. Here are some easy tips to get the best results possible from your life insurance physical.
The night before your exam:
- Have a light, low-fat dinner and drink plenty of water
- Go to sleep early and get plenty of rest
The morning of the exam:
- Schedule the exam early enough in the morning before you start feeling any pressure from the events of the day. This will help keep your blood pressure down.
- Drink a lot of water and urinate at least once before you give a urine sample to the examiner.
Here are things that you SHOULD NOT do:
- Eat a high fat and high calorie meal the night before
- Eat anything before the exam
- Drink anything before the exam
- Drink alcohol the night before the exam
- Try not to use pain relievers before the exam because they can temporarily elevate liver enzymes
The goal is not to trick the life insurance carrier, because that’s not really possible. But you do want to get the best results you can. It can mean the difference between a Standard rating and a Preferred rating and that means big savings for you.
