What to Expect: Life Insurance Medical Exams

Before you get a life insurance policy, some life insurance companies will want you to go through a medical exam. The company will want to make sure that everything is alright with you, and that they know about all the problems. This is important because life insurance companies want to assess your risks. Do you know what goes on in these tests? You always need to do whatever you can to come across as very insurable. If you know what goes on in these life insurance medical exams, you will really increase your chances. Now is the time to get healthy and really reduce your risk level. Find out about this medical exams first.

How the Exam Takes Place

Did you know that a life insurance medical exam can take place in your office or at your home? You cannot have the exam done by your own physician, and the paramedic who administers the test will come to you. If you do not want them to come to your place of work or your home, you can go to a special clinic. If you do not have the exam, your insurance application will not be processed. The insurance company will also be the ones who pay the paramedic service, which means that you are not held financially responsible for it. The paramedic will want to know your medical history, your measurements, blood pressure, pulse and they will take blood and urine samples. Other tests will be administered depending on your age, and your policy. This is not a comprehensive medical exam, this is just an exam for the life insurance company.

What the Company is Looking For

Basically, the insurance company wants to know if you have any conditions that could shorten your life. This will increase your risk and the chances your insurance company has to pay out money. They are looking for viruses, any disorder with your organs, diseases like HIV and hepatitis, and immune disorders. They will also want to screen for drug use. The results will be given to the life insurance company home office. You can write to them and have them send you the results as well. The results will then determine your policy, as well as what you will pay. It might also say you are uninsurable because you have an addiction or are too much of a risk. You can still get your quoted rate, but things might vary a little bit.

Can You Avoid the Exam?

You should not worry about these exams because they are very routine. We understand that some of you out there would like to avoid an exam though whenever possible. If you want to avoid the exam you can just sign up for a standard life insurance policy. They will just ask you a few questions about your health. A guaranteed policy will not issue exams or questions. A medical exam just helps you qualify for better coverage and, if you are healthy, can help you get a better rate. If you feel like you are risky, there are ways around it, but the plans you end up with might not be as strong as you had hoped for. Make sure that you are always taking steps to improve your health.