Learn To Purchase Term Life Insurance With No Medical Exam

Certainly, term life insurance with no medical exam may seem appealing to you if you hate the time consuming underwriting process of a regular policy, with strange doctors poking and probing you, and an eager agent grilling you. You may also find this kind of life policy attractive if you know you are not very healthy, and a lab work may reveal certain conditions that will cause you to pay higher premiums or lead to a decline altogether. Nevertheless, this kind of policy, while lucrative may not be for everyone. Learn about these policies, and if they are right for you.

Qualifying for no medical exam life policy is not automatic

Just because there is no medical examination conducted by doctors, it does not mean you automatically qualify for this policy. You have to be at least in decent health for the company to approve your policy. Most insurance companies will not issue out a life policy without the applicant filling out a medical form first. This form enquires your basic medical history with very few questions. It will take you minutes to fill it out and be on your way to getting a policy.

While filling a medical form is simpler and easier than a full medical exam, it may actually contribute to higher premium rates that are uncalled for from the insurance company. For instance, your family may have a history of heart disease and high blood pressure, but you have been engaging in high-intensity cardiovascular exercises for many years. The medical form will only highlight the negative part, which will certainly raise your rates. Had you subjected to a medical exam, the fact that you have a history of these conditions in the family would have been mitigated by the results of the lab work.

Preparing for a medical exam

When you are purchasing a normal life policy, a full medical exam is mandatory. When buying a such a policy, you can volunteer for the medical exam even if it is part of it, to lower your premiums. If you truly do not have time for a medical exam, most insurance companies are willing to send their paramedics to meet you at your home or any other convenient place, to do the tests and take samples. You can do certain things to ensure you have the best results possible. One week to the test, eat healthy foods in general and avoid fatty and salty foods; avoid or limit intake of stimulants and nonessential meds.

Life Insurance Medical Exam

Before you can get your final quote and actually sign your policy, you must have a medical exam. The purpose of this exam is obvious. First, they want to verify the information you provided on your application and second, they want to know if you have any medical condition which you may not be aware of. This medical exam will directly influence your insurability and the final costs of your premiums.

In most cases, the insurance company will pay for the medical exam and will choose which paramedical will conduct the exam. In some cases, no medical exam may be necessary. This usually is the case for young people and/or policies with small coverage amounts. In most cases you can expect to be contacted by a paramedic to schedule your life insurance medical exam.

Interestingly enough, the more coverage you are requesting and the type of policy you are seeking, the more extensive your medical exam will be. Physical exam, urine specimen, blood work, EKG and x-ray are common in the medical exam. You can also expect to be tested for HIV, high cholesterol, liver or kidney disorders, diabetes, hepatitis and immune disorders, as well as drug use, and smoking.

After your exam, the results will be sent to the insurance company for review. This is why giving the most accurate information on your application is important. If they find discrepancies between your application and the results of the exam they can deny you coverage or request a second exam.

If you are declined coverage based on your medical exam, it is your right to be sent a copy of that medical exam for review by you or your doctor. If you believe that the test results are wrong, don’t hesitate to contact your insurance company and request a second medical exam.

Once the insurance company reviews your medical exam results and approve you, they will calculate your premiums based on all the information, conditions, provisions, health risk, etc specified and send you your final policy quote for review and acceptance.

Try to be very accurate on your policy application. It can be very difficult to fool the life insurance medical exam and sometimes an insurance company will completely deny you coverage based on your inaccuracies, even though they may have covered you if you had been more accurate, at a higher premium of course.

An example of this came to us from a fellow in Miami, Florida. He stated on his application that he was a non smoker. And for the most part this was true. He did not consider the 3 to 4 cigarettes per week he smoked to qualify him and categorize him as a smoker. Once the exam was completed, it showed that he indeed was a smoker. The insurance company declined to process his application any further. He discontinued smoking for some time and applied to another insurance company where he was accepted as a non smoker.

The insurance companies have all the power and reserve the right to not insure you for any reason they want. In the example above, this mans family may find later, at the time of his death, that the insurance company will refuse to pay out the death benefit because they will find out that he is a smoker, even if its only a few cigarettes per week. How will they find out you ask? Prior to paying out any benefits, regardless of the amount, the insurance company will require a copy of the medical records of the insured. If they determine that he was a smoker, even if he started later in life, they could deny his family the death benefit because he did not notify them of his change in medical status.

There are many cases of this. Remember, the insurance companies are looking for any reason whatsoever to not pay.

Immigration and Medical Exams – What to Expect and Do

Upon knowledge that one will need a medical exam to go through immigration, it can be a bit overwhelming. In fact, the entire process for immigration is very involved. Thankfully there are many immigration medical exam locations to help.

Within immigration medical exam locations, one may not know what to expect. Here is some great information so that one can be prepared for the process and have it go as smoothly as possible.

What to Expect

First off, the applicant will need to show the passport or some type of photo identification as well as an appointment letter up front. They will go over their medical history with the doctor, and get x-rays, blood tests and of course a physical examination. The physical exam will check ears, eyes, nose and throat, heart, lungs, extremities, lymph nodes, and skin. It’s really more of a screening than a complete exam. It’s important not to ask the medical professional to check for anything else at this time, and simply schedule a later appointment for any concerns.

The results will often go to the embassy or consulate direct, but sometimes they will be handed to the applicant in a sealed envelope. In this case, the applicant needs to bring them from the immigration medical exam to their interview. It’s important that the applicant have an approved physician do their exam.

Common Questions

There are many questions that applicants have in regards to the physical or immigration medical exam, locations are usually happy to answer these but here are the most common and their answers.

What if the applicant had syphilis?

Those applicants that had syphilis must simply prove that they have been treated by giving up a written certificate stating so. If one has ever had a positive VDRL test and they weren’t treated they need to provide a written explanation of why. This should be provided at the immigration medical exam location.

What about a positive tuberculosis test?

In the event of a positive tuberculosis test, the applicant must do the same as stated above but also provide any x-rays that were taken along with treatment.

What actions are taken for pregnant women?

The United States CDC (Centers for Disease Control) allows women who are pregnant to connect with an immigration medical exam location that will use a double layer, wrap-around lead shield when conducting x-rays. Other than that, the exam will be conducted as usual as there are no other concessions than to protect the applicant and her unborn child.

Should any medications being taken be reported?

All applicants who are under treatment for any reason should be aware of the medical condition and the medications they’re taking. They should present any certificate or information related to this and a list of prescribed medications when they go to the immigration medical exam location.

What vaccinations must the applicant have?

Here is a list of the vaccinations currently required by doctors during an immigration medical exam:

  • Hepatitis A
  • Hepatitis B
  • Influenza
  • Influenza type b (Hib)
  • Meningococcal
  • Pertussis
  • Measles
  • Mumps
  • Pneumococcal
  • Rotavirus
  • Polio
  • Rubella
  • Varicella
  • Tetanus and diphtheria

If this list is incomplete the vaccinations will be arranged to be given in most cases. If the applicant has a waiver for one or more of the above-listed vaccinations, they should present it to the examining doctor.

Any other questions one may have can be addressed as well, doctors are happy to guide applicants through the immigration medical exam process and help them as much as possible in order for them to get their visa. Choosing the right location will ensure the process will go smoothly.