Things To Find From A Life Insurance Exam
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. Before you are able to get any form of insurance policy, every candidate is supposed to go through a series of medical examinations regularly. 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 Is There to Expect?
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. The medical practitioners and professionals, as surprising to most, actually come over to your own houses or a location of your liking to conduct these tests. This means you get to relax and not feel the pressure of being in a dreary, bleak medical facility.
What happens during the exam 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. It’s also standard procedure to fast for 8 to 12 hours before your exam as blood and urine testing will also be done. 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. 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?
Now that you have a glimpse of what a medical exam entails, you want to know why and what these insurance agencies look for? 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.