Why You Need a Medical Exam When Applying for Term Life Insurance

You’ve made a wise choice when you decided to obtain a term life insurance policy. As a matter of fact, term life insurance is the #1 choice for families! But, as you started researching term life insurance options online, you began to question why a medical exam is necessary to obtain such valuable coverage.

A medical exam is required for many types of life insurance, but not all. It is possible to obtain a no-medical exam term life insurance policy by just answering a few health questions or none at all.

However, a medically underwritten term life insurance policy offers a few advantages over the no medical exam life insurance options available. A medically underwritten life insurance policy offers:

• More options for term length

• Higher face amounts

• Lower rates (for most people)

These benefits are possible because the life insurance company gets a more accurate picture of your health and can then place you into an appropriate "rate class".

The medical exam usually includes:

• a blood test

• urine sample

• height, weight

• blood pressure

• health history

The whole process usually takes less than 30 minutes and can be done in your home or office. The medical examiner will come to you!

Talk to our licensed life insurance agents and let us help you apply for term life insurance today. We even schedule your medical exam for you, all at no cost to you! Click here to start your free term life quote now!

©2010 Matrix Direct Insurance Services. All Rights Reserved. Matrix Direct, Inc. is a subsidiary of American General Life Insurance Company(AGL) and an affiliate of The United States Life Insurance Company in the City of New York (USL).

Rates current as of 6/1/10. Preferred Plus Underwriting Class, Form #07007, issued by AGL, Houston, TX. Premium charges depend on evidence of insurability. Premiums increase at the end of the guaranteed term if renewed. Death benefit remains level. The policy may be contested for two years from date of issue for material misstatements or omissions on the application. Policy is limited to return of premium paid in the event of suicide within first two years. The underwriting risks, financial and contractual obligations and support functions associated with products issued by AGL are its responsibility. AGL does not solicit business in the state of NY. Policies and riders not available in all states. In NY State, term life insurance is available through USL, Form #07007N. 75% Comparison based on monthly premium rates as of 6/1/10 for a 10 year level term policy, issued at each company’s best published rates for a female, age 30, non-smoker. Agency services provided by Matrix Direct Insurance Services in CA (#0B57619), ME, MA, and OK; Matrix Direct Insurance Agency, Inc. in UT; and Matrix Direct, Inc. in AR (#246412) and all other states, except SD.