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Buying Term Life Insurance, Part IV

Written by Nickel - 4 Comments

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At long last… It’s been a couple of weeks since my wife and I first started shopping for new term life insurance policies, and we finally had our medical exams yesterday. The Portamedic showed up (as promised) right at 8:00 AM, and we got down to business. We had already filled out our insurance application packets, which contained a lot of questions about our lifestyle (e.g., do we parachute?) and health history. And when the Portamedic arrived, she sat down and proceeded to ask us the exact same questions. She then took our blood pressure, height and weight, and collected blood and urine samples. It took just under an hour for her to process the two of us, and then she was on her way. Now we wait. I’m guessing that the underwriting process will take another month or so. As an aside, I haven’t had my blood pressure checked in awhile, and was pleased to find that it was down a good bit (~20 points) today. It’s never been terribly high, but the last time that I had it checked it was higher than I would have liked. I’m not sure if this is related or not, but I kicked the caffeine habit a few months back, and I’m guessing that’s why things have improved.

Read Part I of Buying Term Life Insurance
Read Part II of Buying Term Life Insurance
Read Part III of Buying Term Life Insurance
You are currently reading Part IV

Published on September 15th, 2005 - 4 Comments
Filed under: Insurance

About the author: is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!

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Comments (scroll down to add your own):

  1. Caffeine is the devil. Way more addictive than alcohol or tobacco, and when used in moderation is worse for you. Maybe I am biased though; it can make me go blind when I consume it.

    Comment by Anonymous — Sep 15th 2005 @ 7:50 am
  2. Hmm…caffeine. Yeah, that’s another thing I’ve got to quit! Glad it went well five.

    Comment by Anonymous — Sep 15th 2005 @ 7:45 pm
  3. Glad to hear it didn’t take a loooong time like my visit did.

    Don’t you just love it that they ask you the same questions over and over again? 😉

    Comment by Anonymous — Sep 16th 2005 @ 12:54 pm
  4. I really need to get my cholesterol and BP down so I can lock in some nice 30 year term life insurance while I’m still young(ish).

    Comment by Anonymous — Sep 21st 2005 @ 11:10 am

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