There are so many insurance companies online that will offer you no physical term life insurance that it truly boggles one’s mind. However, when there is that much competition it does raise some red flags. Why are so many companies ready to jump into this market? Is it because there is a killing to be made (financially speaking)? Well, that is the case. The life insurance industry (especially the burial life insurance industry) is one of the most profitable in the world. These companies are not all reputable of course. Many of them use tactics to get you to take an exam at some other time and if you don’t they will simply strip you of all your benefits.
Almost all insurance companies share information about their patients with doctors, and vice versa. The reason this transparency exists is to protect the insurance companies from fraud perpetrated by consumers. There is an agency called the Medical Information Board that oversees this transfer of information. The board has come under accusations of fraud lately. The accuser’s claim that the MIB uses patient files to make sure that certain cannot get access to insurance because of their pre-existing conditions. These claims have not been confirmed as of the writing of this article. Further investigations are needed.
If there is no other way to get insurance and you are forced to take a medical exam, then do not worry. We will get you through this. The first thing to remember is that it is not the end of the world. You will want to make sure that when you schedule your appointment you make it for the morning. You will also want to make sure that you do not drink alcohol for at least a few days before your exam. This will give your body a chance to cleanse itself. The last thing you need to do is get a full night of sleep before your exam. Some people have also found it beneficial to do breathing exercises on the way to the appointment to relieve stress. I wish you the best of luck at your exam!