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If you are going to be able to get term life insurance with no examination really depends...
You might be surprised a few of you pleasantly surprised to learn that not totally all tem life insurance providers require possible policyholders to undergo a medical test. Thats right; you can get term life insurance without exam. Not that there are term life insurance companies out there offering term life insurance policies without medical assessments, but, there are some out there.
Whether you are going to manage to get term life insurance without assessment actually depends upon the term life insurance business that you wish to obtain your term life insurance policy. Each term life insurance company requires, or does not need, its possible customers to endure a medical examination centered on that particular term life insurance companys underwriting process. For instance, some fly-by-night term life insurance companys might attempt to attract customers by offering the fact they offer term life insurance without any examination. At the same time, historical and trustworthy term life insurance companies may provide term life insurance with no exam to possible customers of a certain age who wish to purchase a certain amount of term life insurance.
Therefore, if you're seeking term life insurance with no examination, you simply have to contact many different term life insurance companies and enquire about their underwriting procedures as far as medical examinations are concerned. Always study the term life insurance provider before buying anything.
If a life insurance company requires a complete medical exam, most term life insurance companies do demand a blood sample and/or urine sample. These products are used to determine the kinds of medical conditions you have, whether or not you know about them, for that reason allowing the word life insurance provider to interpret the kind of risk they face if they insure you. Urine and blood samples may also be used to discover what forms of medicines prescription, over-the-counter, and illegal you take.Chris Wallace Medical-Assistant-Training.org San Francisco, CA 94105 575 Market Street, Suite 3000 (415) 209-5257 web address
