How Do I Buy Term Life Insurance? 
You can buy term life insurance in one of two ways : 1 -RRB- with an exam , or 2 -RRB- without an exam . 1 -RRB- With an exam . You would choose this option if you have reasonably good health , because you will be evaluated by your exam results to see if you qualify . Also , taking a medically underwritten policy that requires an exam is generally for those who want a larger face amount than a a burial policy . It can save you money to go to the added effort of taking the exam , and the exam does not incur any cost to you . It is generally done in your home , and entails a blood sample , urine sample , height , weight , blood pressure , pulse , and medical questions . Backing up , you first contact a website or agency to decide what face amount and length of term you want . You will be asked many medical questions to determine which company has your best price . Then you fill out an application , either by paper or online or over the phone . The exam follows , and possibly the underwriter will order medical records from your doctor -LRB- s -RRB- . When a decision has been made , some agents call you to tell you -LRB- e.g. we give you the option to change the face amount or term if it did not turn out as hoped -RRB- . Some just mail you the policy . You accept it by filling out some delivery paperwork . Payment can be done by check -LRB- almost always reserved for quarterly , semi-annual or annual payments -RRB- or bank or credit card draft . 2 -RRB- Without an exam . People often choose this method for : a. smaller policies , b. because they can not qualify for a policy that requires an exam , c. because they do not like having their blood drawn , and/or d. because they do n't want to go through the hassle of an exam . Some no exam policies have quite reasonable rates , especially for those who would qualify as standard on medically underwritten policies . This type of application is usually filled out online and signed digitally , but can be done by paper application , as well . The process goes a lot faster than applying for a policy requiring an exam . The policy often goes into effect as soon as approved and the first payment is drafted . I hope that helps . Please feel free to contact me for more information . 