Do I need to go to my own doctor for the medical exam?

You may go to your own physician for a medical exam but it may be easier, more cost efficient, and faster to go through the insurance company to schedule a medical exam. The third party medical exam companies are specialized in ordering the right blood work and tests that the companies are looking for in their underwriting process. In addition, the third party medical examiners can go to a place of your convenience and the costs are covered by the life insurance company whether or not you end up purchasing the policy. Often, you are able to schedule an exam within a week’s time (compared to having to wait to fit into your doctor’s schedule).