What Life Insurance Exams Entail
Processing a life insurance, one is required to choose between several policies for one’s own self and family though that is not entirely the focus of it all but it is very important. The process of obtaining a life insurance, like any other insurance policy, includes a requirement for each candidate to do a routine medical examination. A majority of policies have long since abolished an exam less qualification for life insurance even though a handful still practice that today.
To help you understand why there is a need for a medical exam, read this article and find out what agents want to look into, what they test for and what you can gather from this procedure.
What Is In The Medical Exam?
You may be surprised, however, to find that a separate agency or medical institution is assigned to conduct the tests needed for the medical exam. Usually your insurance company hires these types of medical facilities to perform the needed tests and exams required for you to qualify for life insurance. It may also surprise you that the medical practitioners assigned to you may leave the facility to administer or perform such tests in your own homes. This certainly means you and your family get to stay at home while fulfilling this essential requirement.
What are these tests exactly? And what else do you and family need to prepare before taking the exam? You will be expected to verify your identity by coughing up whatever legal and valid ID’s you posses like a driver’s license or passport. Blood and urine tests are part and parcel in every medical exam procedures so it will be required of you to fast for at least 8 to 12 hours. Before setting your final appointment schedule you have to remember these important details.
Collecting data like height, weight, pulse, and blood pressure is standard procedure. The doctor or medical practitioner assigned to you may also ask you about your medical history. You will be asked about injuries you may have sustained in the past, recent medical diagnoses, substance use like alcohol or drugs, and family health history. Medical exams don’t usually take too long depending on how many candidates are required for testing as well as the extent of the physician’s queries.
What Will The Tests Reveal?
You are probably thinking what these medical tests have to do with acquiring a life insurance and what kind of results will yield a negative or positive effect on the process. Essentially, insurance companies only want to make sure that you are who you say you are, and that whatever information you have provided is true, that you are a qualified individual with no ties to unsavory illegal behavior such as illegal substance abuse.
Data collected as you were measured for height, weight, and blood pressure would determine whether or not there are underlying risks of cardiovascular diseases, diabetes, obesity or other health risks.