Life insurance cannot exactly work without the insurance company demanding the results of your medical exams. This is because the company needs to determine your rates using your life expectancy. You need the life insurance exam details embodied in this post to guide you through the process.
For starters, you need to know what to expect when planning to go for your life insurance exams. Have in mind that you don’t necessarily need to polish your entire lifestyle just for the exam. You also don’t need to be in a hospital to have it done.
Keep reading for more details.
Life Insurance Exam Details
Where Can I Receive a Medical Exam for Life Insurance?
A representative from a medical testing service, such as APPS or ExamOne, will call you to arrange an appointment. Before then, you must have completed a life insurance application to a firm. Typically, you may get it done at one of three locations:
- Your residence
- Your workplace
- At a paramedical service’s test facility
What to Expect During a Medical Exam for Life Insurance
Expect a medical exam to include the following:
An interview
- Your examiner will likely review the application questions you’ve previously answered, such as those on health problems and drugs.
- Be prepared to submit your physician’s contact information (s).
- Remember that insurers have several methods for validating the information you provide.
A physical checkup
- It will record your height, weight, pulse, and blood pressure.
- You will likely need to provide a urine sample, and they’ll take blood samples.
- If you are over 50 and applying for $1 million or more in life insurance, you may need to do an ECG (EKG).
What is included in the life insurance physical exam?
During your life insurance test, the insurance company will likely have your examiner gather the following:
- Size and mass measures
- Blood pressure
- Urine and blood samples
- An electrocardiogram result (possibly)
