To begin, you almost cannot get life insurance without going through life insurance examination processes. Your life insurance examination results play a big role in determining the nature of the life insurance service you will get. Hence, these results are vital as long as you’re not cutting the entire process with a no-exam life insurance policy.
This post discusses what happens after the entire test is done and how to handle your results.
Will I Receive My Life Insurance Examination Results?
The life insurance company will evaluate the results of your examination and may inform you of the outcome. You may be able to get the examination results directly from the organization that administered the test. For some organizations, for instance, you may often examine the results online within seven to fourteen days.
You may also contact the paramedical company’s customer service department to enquire about how to get your exam results.
What If My Application for Life Insurance Is Denied Due to the Medical Exam Results?
If your life insurance application is declined, you should request a written reason. Request information and confirm the results. Keep a keen eye out for:
- Data input errors: There may be a human error, such as inadequate or wrong information.
- False positive results: A false positive occurs when a test reveals that you have a disease or condition when you really do not. This may occur if the test was not administered correctly. Other factors such as food and drink, drugs, stress, intense exercise, or illness may also affect the accuracy of the results.
Consult your life insurance agent with the inaccuracies and the necessary line of action.
Also, consult your doctor if an unanticipated positive test result was the source of the problem. If you are denied, and your doctor confirms the test results, you may take steps to improve your health. It is not wise to immediately retake the medical exam for life insurance since you may be denied coverage again.
You don’t want to risk failing too many medical exams. Subsequent rejections might hinder your ability to get life insurance.
