What To Expect In A Life Insurance Medical Exam
A life insurance medical exam is a physical examination that is performed as part of the underwriting process for a life insurance policy. The exam is typically conducted by a paramedical examiner, who is a licensed healthcare professional who is trained to perform life insurance medical exams.
The purpose of the medical exam is to assess the applicant’s health and mortality risk. The results of the exam will help the insurance company to determine whether to approve the application and, if so, what premium to charge.
What to expect during the exam:
- The paramedical examiner will start by asking you a series of questions about your medical history, including any current or past medical conditions, medications you are taking, and any family history of serious illnesses.
- The examiner will then perform a physical examination, which will typically include:
- Measuring your height and weight
- Checking your blood pressure and pulse
- Listening to your heart and lungs
- Taking blood and urine samples
In some cases, the examiner may also order additional tests, such as an electrocardiogram (EKG) or a treadmill stress test. These tests are typically only required for older applicants or those who are applying for a large amount of coverage.
The medical exam is typically painless and takes about 30-45 minutes to complete.
- Be sure to get a good night’s sleep before the exam.
- Eat a healthy breakfast on the day of the exam.
- Drink plenty of water before and during the exam.
- Wear comfortable clothing.
- Bring a list of all medications you are currently taking, including over-the-counter medications and supplements.
Tips for success:
- Be honest and complete when answering the examiner’s questions.
- Let the examiner know if you have any concerns or allergies.
- Relax and take your time. There is no need to rush.
The medical exam is an important part of the life insurance underwriting process, but it is also a simple and routine procedure. By being prepared and cooperative, you can help to ensure that the exam goes smoothly and that you get the best possible life insurance coverage.