Life Insurance Medical Exams: What to Expect

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When applying for life insurance, you will be asked to complete a medical exam to determine your eligibility. Robert Taurosa details what you can expect from these exams.

Saúde

L I F E I N S U R A N C E M E D I C A L E X A M S :
W H A T T O E X P E C T
R O B E R T T A U R O S A

I F Y O U ’ V E A P P L I E D F O R
L I F E I N S U R A N C E
the company isn’t willing to take your
application on trust alone. You’ll be
asked to complete a medical
examination before your policy goes
into effect, but there’s no reason to be
concerned. These exams are primarily
standardized and nothing to be worried
about.

T H E B A S I C S
Most exams are handled by
nurses and involve an
assessment of your current
medical status and your
general history.
This exam is split into two
parts, and it will be the
determinant factor in whether
or not you’re applicable for
life insurance and what
premium you can expect to
pay.
They can be done from the
comfort of your own home,
and takes about 20 minutes to
complete.

T H E Q U E S T I O N N A I R E
Exams start with a general questionnaire that
helps your insurance get a basic
understanding of your health condition. You’ll
be asked fundamental questions about:
Any past hospitalizations and procedures
Current and previous prescriptions and
conditions.
Family medical history to identify any
potential risk vectors.
Lifestyle habits, including how regularly
you exercise and drink and whether you use
drugs or cigarettes or have in the past.

S A M P L E
C O L L E C T I O N
Once the questionnaire is
completed, the professional will
perform a few studies to make
sure that they have the
information they need. This will
start like a typical physical by
gathering your weight and
height
measurement of your pulse
and heart rate
urinalysis sample to test for
drugs, the presence of HIV,
and protein glucose levels
provide a blood sample to
analyze protein, glucose, and
cholesterol properly.

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