What Life Insurance Exams Entail
While picking which policy best suits you and your family is an integral part of getting a life insurance, it isn’t necessarily about that. The process of obtaining a life insurance, like any other insurance policy, includes a requirement for each candidate to do a routine medical examination. There are a few instances where an exam isn’t required to qualify for life insurance, however, new policies and the majority of insurance giving institutions require one these days.
Before you go hunting for policies that qualify you without an exam, take a closer look at this article to have a better view of what these medical exams provide and what you may expect.
What Are The Procedures Involved?
While uncommon, some life insurance giving companies have their own medical testing facility but more often than not, these tests are conducted in a separate agency. This testing agency is often commissioned by insurance companies to conduct the essential exams that are required of a certain insurance policy. 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. What better place to be tested and prodded on than in the comfort of your own abode.
What are these tests exactly? And what else do you and family need to prepare before taking the exam? Insurance agencies are very keen on avoiding identity theft which is why you need to present multiple legal and valid photo identification forms to verify your identity. Fasting for a minimum of 8 hours to a maximum of 12 will be asked of you before undergoing blood and urine tests. Keep these important details in mind before showing up at the doctor’s.
Collecting data like height, weight, pulse, and blood pressure is standard procedure. You also be asked to fill out a series of medical related questions. Some of these question you’ll be asked to answer include alcohol and nicotine use, past medical diagnoses, 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 Are They Looking For In The Test?
Perhaps it has now crossed your mind which of these tests qualify which policy you and you family are likely to obtain now that you know what the exam entails. Basically insurance companies only want transparency in the information you have provided, very your identity, and make sure that you are not involved in illegal substance abuse.
Standard medical data collected like knowing your height, weight, as well as blood pressure will allow physicians to determine whether you are likely to have diabetes or cardiovascular diseases.