The answer to that question is often no. Term life insurance is not usually, if ever, something you can just pick up the phone and order and if it is, be skeptical! Most reputable term life insurance companies require potential policy holders to undergo a medical exam as part of the application process; however, this is not something to worry about.
Depending on your physical condition, your location, and the term life insurance company you are making your application to, you may be able to receive the medical exam in the comfort of your own home. The medical exam required of term life insurance applicants is usually not a long process all in all, expect the exam to last anywhere from 15 to 30 minutes. More good news is that your term life insurance medical exam is usually free.
When you head out for your term life insurance medical exam, you can expect several things all of which are normal of any general medical exam. The doctor will weigh you and measure your height, take your blood pressure, and will most likely take samples of both your blood and your urine. You will be asked questions about your medical history so you may want to take certain information with you for easier reference. Be prepared to discuss any past or current medical conditions you have, any surgeries you have had, medications and/or medical treatments you are currently taking or have taken in the past, and possibly your family’s medical history. You may also be required to provide contact information of previous and/or current health care professionals by whom you have been treated.
You may be a bit hesitant to provide such personal information to a doctor that you may not even know; however, rest assured that all information is confidential and used only for your term life insurance application. The doctor will send the information directly to the insurance company.