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Life Insurance Medical Exams: What to Expect

Life Insurance Medical Exams
Life Insurance Medical Exams

When you are going for Life Insurance, you are likely to be asked to go for a Life Insurance medical exam. This is mostly part of the policies of Insurance companies.

After your medical result is out, the insurance company would determine the final premium in addition to deciding whether offer you the policy or not

Taking a Life Insurance medical examination:

After submitting your Life Insurance application, the insurer will hire a paramedical professional to make an arrangement for the examination. Fact is told, your own doctor isn’t permitted to perform the exam. You are entitled to choose the place and time.

You wouldn’t undress yourself during the exam. You just need a short-sleeve shirt for the bloodwork.

While the exam is ongoing, the paramedical professional will start by quizzing you on the same personal and family health questions. These same questions were captured on your application as a means of double-checking your information or data.

The life insurance examination will take mostly about 30 minutes. The bills are footed by the insurer. There is a physical part of the exam. This includes:

  • Your signature for the release of your medical records.
  • Cognitive and mobility testing for older applicants.
  • Possibly an electrocardiogram or treadmill EKG (This depends on your age and the policy amount you requested).
  • Weight and height.
  • Your blood pressure.
  • Saliva sample.
  • Sample of your urine.
  • Bloodwork.

Life insurance medical exams: What insurers are looking for:

Insurance companies mostly look for some specific things during their medical examinations. Below is a look at some of what they look out for:

  • Cocaine and other illegal drugs.
  • Hepatitis.
  • Diabetes.
  • Liver and kidney functions.
  • Elevated sugar levels.
  • Body mass index (BMI).
  • Blood pressure.
  • HIV and other immune disorders.
  • Cholesterol levels
  • Early signs of Alzheimer’s or other memory impairments in older applicants.
  • Marijuana use (insurers vary widely in their pricing for pot smokers; some will give smoking rates to marijuana users).
  • Nicotine use (cotinine), whether from cigarettes, e-cigarettes, nicotine gum, or patches.
  • Prostate-specific antigen (PSA) levels, which can indicate prostate cancer.

Once the medical examination is done, you can demand the results and the insurance company would send them to your Doctor. Should your medical exams reveal a new health problem for you, your doctor would contact you to find a remedy for that.

How to get the best results:

A few days to get to your exams, start taking in healthy food and a balanced diet. This will help your cholesterol and blood pressure levels.

The night before your exams, follow the format below:

  • Avoid the consumption of alcohol
  • Make sure you gather all the paperwork that you may need as this may aid you to avoid the pressure that comes with a last-minute search. Some of this paperwork includes a picture ID, a list of the medicines you take (with dosages), and written health history, including diagnoses, treatment dates, and your doctors’ names.
  • Make sure you have a good night’s sleep.

The morning of the exam: The best thing to do preceding your arrangement is to sit smoothly and drink water. Stay away from activities that will raise the test estimations, including:

  • A strenuous workout.
  • Drinking a lot of caffeine.
  • A salty or high-fat breakfast.
  • Using nicotine within an hour of the exam.

Read Also: How Mortgage Protection Insurance Works

 

 

 

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Written by Gustavo Franko

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