Most of the time, the answer is no. Most of the time, you can't just pick up the phone and order term life insurance. If you can, you should be wary. As part of the application process, most reputable term life insurance companies ask potential policyholders to take a medical exam. However, this is not something to worry about.
Depending on your health, where you live, and the term life insurance company you are applying to, you may be able to take the medical exam at home. Most applicants for term life insurance don't have to go through a long medical exam. The whole process should take anywhere from 15 to 30 minutes. More good news is that your term life insurance medical exam is usually free.
When you go for your medical exam for term life insurance, you can expect a few things, all of which are normal for any general medical exam. The doctor will measure your height and weight, check your blood pressure, and probably take samples of both your blood and urine. You will be asked about your medical history, so you might want to bring some information with you to make it easier to look up. 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 have to give the names and phone numbers of doctors and nurses who have treated you in the past or who are treating you now.
You might be hesitant to give such personal information to a doctor you don't know, but you can rest assured that all information is kept private and is only used for your application for term life insurance. The information will go straight from the doctor to the insurance company.
