Life Insurance Medical Exam is a medium for your insurance company to check your basic information and medical history that was used to create your life insurance application. The l exam will normally be performed by a competent medical professional such as a nurse, not a doctor. It takes almost 20 minutes to thoroughly check your medical history with the representative or agent who will do the exam.
Do all life insurance plans require you to take a medical exam?
Not all will require taking any physical examination. In fact, a lot of companies now give no exam insurance policies. You can buy a policy online.
Why Do Life Insurance Companies Require a Medical Exam?
There are three (3) reasons life insurance companies offer medical exams:
1. To verify the submitted information to the company during the application of your life insurance
2. To take the applicant's full medical history. The questions on the medical exam go in-depth the more into your medical history and even your family members too. If the company determines you're likely to die early in life, they would like to get higher premiums early on; and if they feel you'll live longer, then they may not need to get as much from you in the early stage of your life since they may determine that you'll be around longer to keep making premium payments without issues.
3. To find an underlying medical issues. Medical conditions like diabetes, blood work inconsistencies, or HIV that the applicant won't know or not likely to have declared.To also verify nicotene or drug use. The medical tests information is going to be matched against the results sample test.
What is the medical exam looking for?
A regular examination may as well include a review of the medical history of the person, the doctors he consulted, the dates of the consultations and any treatments suggested by them. There is a physical test that covers basic information such as height, weight, blood pressure and pulse. Usually, blood and urine specimen testing are included.
How do you prepare for the life insurance medical examination?
1. One week before you take the exam: Stay on a healthy diet. Try to keep your salt intake to a minimum level and stay off sugary and fatty foods.
2. Three days before the exam: Avoid taking alcohol and tobacco product too.
3. One day before the exam: Avoid products with caffeine and avoid doing strenuous activities. Also, fast and get eight (8) hours of sound sleep.
Some Procedure you should Expect During a Medical Examination
1. Your weight and height measurement
2. Your blood pressure and pulse measurement
3. Blood work (to check things like cholesterol, protein, HIV and glucose)
4. Urinalysis (to check things like HIV, glucose, creatinine, cocaine and protein)
What medical questions may be asked from a life insurance company?
You can expect questions such as:
1. Family history related to heart condition,diabetes, liver problems or kidney, blood disorder, nose mouth, disorder of the ears or mental and throat illness.
2. Personal experience associated with shortness of breath, blood spitting, experience with asthma or bronchitis, joints, bones or muscle disorder as well as any history of cysts or tumors.
3. Name of the doctor you consulted and even the date of the consultation.
4. History of hospitalization, diagnostic exams, x-rays and for what reason.
