term life insurance you can afford, and we're not pushy!

  888.587.8511   FAQs I Customer Comments I Agent Brokerage
Term Life Insurance Quotes By Top Rated Companies

 

Term Life Insurance Definitions helps to become more knowledgeable of term life insurance and permanent life insurance.

Term Life Insurance what it is, how does it work- Instant Quotes, traditional - return of premium - no exam

Toll Free
888.587.8511  Mon.-Fri. 9-5 ET


Policy Service Phone Numbers

Top Rated Term Life Insurance Companies

See which company is most suitable for your needs

American General
Banner
First Colony
Genworth
ING
Jefferson-Pilot
Lincoln Benefit
Lincoln National
North American
Protective
RBC - Liberty Life
SBLI
Security Mutual
Transamerica
Union Central
U.S. Financial
West Coast
William Penn
 
More get a quote

Health Insurance Quotes!

Disability Insurance Quotes!

Long Term Care!

Life Insurance Guide

Business Life Insurance

Applications Underwriting Term Life Insurance Polices  

Paramedical Exam For Your Policy

Beneficiary Designation

Return of Premium Term  Life Insurance From:   AIG    Chase   Fidelity & Guaranty   Genworth

Estate Planning Info You Can Use

Life Insurance
Life Insurance is for the Living


License #'s: for Lewis Fink

Links

Term Life America - Facebook 
Find us on Facebook

   Find us on Google+

Term Life America - Twitter  Follow us on Twitter



 


Term Life Insurance by Top Rated Companies
More term companies equals the best opportunity to obtain the lowest term quote!

Term Life Insurance Quotes Term Life Insurance No Exam Final Expense Life Insurance Quotes

Offering the Largest Selection of Top-Rated Companies Instantly!  Why is this important?
Personalized Tele-Application for All Companies, Right Over the Phone!
 For the serious shopper who would like a seasoned professional to assist them-
"how term life insurance works", "return of premium term life insurance",
"no exam term life insurance" and "what is term life insurance" will be explained on this page.


Paramedical Exam For Term Life Insurance

 
Everything you wanted to know about A PARAMEDICAL EXAM

get a quote What is a paramedical exam and how long does it take?

A paramedical exam consists of some questions about your medical history, measurements of your height and weight, blood pressure and pulse. A urine specimen is also collected.  Undressing is not required and the exam usually lasts 20 to 30 minutes. Your application for insurance is not complete until we have obtained this necessary information. 

get a quote Why will a urine specimen be collected?

A urine specimen will always be collected during a paramedical exam. The tests done are determined by the insurance company and are performed by a laboratory. The test results
will be sent only to the insurance company and are used in the underwriting process.

get a quote What happens to this information?

All of the information obtained during the paramedical examination is strictly confidential and for insurance purposes only. It will be forwarded to the insurance company for review to help evaluate your individual policy.


get a quote How is the appointment made and where?

Portamedic will call you to schedule a date, time and place convenient for you. You may elect to have the exam completed at your home or office, or many people prefer to come to our location. You make the decision to fit your schedule.


MEDICAL SERVICES

What qualifications are required of physicians and what services do they perform?


Sometimes a physician is required by the insurance company to perform the examination.
Portamedic contracts with physicians who have a current license, are in good standing and
practice in a specialty area approved by the insurance company and Portamedic. These
physicians provide services such as medical exams, treadmill ECGs, X-rays, etc.


BLOOD TESTING

Why is blood testing required?

Blood testing has been found to provide important information for underwriting purposes. A wide range of tests are completed by a laboratory and the results are sent only to the insurance company.

How much blood is required?

Less than one ounce of blood is drawn from a vein, into 1-3 vials, by experienced personnel. You may be required to fast from 4-12 hours depending on the requirements of the insurance company. You should advice your examiner if you have had previous problems such as fainting, nausea, are currently taking large doses of aspirin, have difficulty clotting or bruise easily.

Can you get an infectious disease from this blood draw?

No. The sterile materials used are in disposable kits and used only once. The examiner will open the kit in front of you as well as show the seal being broken on the sterile needle.

What tests will be completed?

Each individual insurance company selects the tests they need for the underwriting procedure.  Portamedic is requested only to collect and prepare blood for analysis; the insurance company gives instructions to the lab regarding specific tests. You are required to sign a consent form and a chain-of-custody form for your own protection.

Who will receive the results of your test?

The lab sends the results directly to the insurance company.


ELECTROCARDIOGRAM (ECG)

What is an electrocardiogram?

It is a recording of the electrical impulses associated with cardiac contraction and relaxation. The ECG does not cause any pain.?

What should I expect?

You will be asked to lie down flat with your shirt unbuttoned in order to place the leads on your chest. Women must remove stockings prior to the exam.?

What can I do to assist the technician to obtain a good ECG?

The best preparation is to remain calm and totally relaxed to prevent muscle interference.


EXAMINATION CHECKLIST

To save you time and to obtain the best possible results, please follow these helpful suggestions:

1. Blood pressure and pulse can be artificially raised by stress, alcohol, caffeine and tobacco.  Get a good night's sleep the night before the examination.  Abstain from alcoholic beverages for at least eight hours prior to the exam. Do not smoke or chew tobacco for at least one hour prior to your examination.  Avoid drinking coffee, tea or caffeinated soft drinks for at least one hour prior to your examination.  Limit salt intake and high cholesterol foods 24 hours before your examination. You should not engage in strenuous physical activities 24 hours before the examination.

2. Advise your Paramedical Examiner regarding any medications you are taking, even non-prescription medications.  Have available your physician's names, addresses, dates of past visits, names of any prescribed medications and any information regarding injury and major illness during the previous five years. If you belong to Kaiser or any other prepaid medical plan, have your medical record number available.

3. Drink a glass of water an hour or so before your appointment. This will help in obtaining a urine specimen..

4. If a blood specimen is required, you should fast according to provider directives prior to the examination unless otherwise instructed.


SHOULD YOU HAVE ANY QUESTIONS REGARDING YOUR PARAMEDICAL EXAMINATION, PLEASE CALL TERM LIFE AMERICA AT 1-888-587-8511.

 

Get term life quotes from TermLifeAmerica.com-
Lewis Fink is licensed as a term life agent offering term life quotes in the following states: Term life quotes for:
Alabama - AL,  Arkansas - AR,  California - CA Colorado - CO Connecticut - CT Delaware - DE District of Columbia - DC,  Florida - FL, Georgia - GA Idaho - ID Illinois - IL Indiana - IN Iowa - IA Kansas - KS Kentucky - KY Term quotes for: Louisiana - LA,  Maine - ME Maryland - MD Massachusetts - MA,  Michigan - MI Mississippi - MS Missouri - MO,  Montana - MT Nebraska - NE New Mexico - NM, New Jersey - NJ New York - NY,  North Carolina - NCTerm quotes for: North Dakota - ND,  Ohio - OH Oklahoma - OK Pennsylvania - PA, Rhode Island - RI South Carolina - SC,  South Dakota - SD,  Tennessee - TN Term quotes for: Texas - TX,  Utah - UT Vermont - VT Virginia - VA, and Wisconsin - WI.  

We offer term quotes for 5, 10, 15, 20, 25, and 30 year term periods. Our universal life products can be quoted to cover a term of up to age 120. Not all term product quotes from all term companies quoted are available in all states.



<Return To Previous Page>