What to Expect During a Life Insurance Medical Exam
April 13, 2022
April 13, 2022: You’ve recently decided to expand your family’s insurance safety net and get life insurance or apply for a higher amount of life insurance. Depending on the amount of life insurance you need and your age, you may have a paramedical exam coming up. Although medical exams and physicals are often commonly requested as part of complete applications for Life Insurance policies, if you’re unfamiliar with these exams, it can be difficult to know exactly what to expect from them. From getting key documents together to understanding the exam process, knowing the basics can help you prepare and may put you at ease. Before you arrive for your first tests, here’s what to know about life insurance medical exams.
The Exam Will Help Your Insurance Company Determine Key Financial Matters
Before you head into the exam, it’s important to know the purpose of the tests. This knowledge may help calm your mind and give you deeper insights as to why the doctors may ask to run certain tests. In general terms, the purpose of the insurance medical exam is to help your chosen insurer determine your current health status. This information, in turn, will help the insurer set certain prices or settle other financial matters. For example, your current state of health may have an impact on:
- The coverage limit you may qualify for
- The types of life insurance plans you qualify for
- Your premium range
There Are Several Physical Tests You Will Likely Be Asked To Take
Although every insurance company’s medical exams can differ, and yours may be specialized depending on any pre-existing conditions you may have already declared on insurance forms, there are a few tests you’re highly likely to be asked to take. These tests typically run the gamut from blood checks to medical background checks. For instance, some common medical tests for insurance purposes may include:
- Blood samples
- Urine samples
- An electrocardiogram, or ECG
- Personal medical history questionnaires
- Measures of your weight and height
- Blood pressure tests
Come Prepared With Essential Documentation and Papers
Last but not least, remember that you can make your medical exams easier by coming prepared. Bringing all the necessary papers and documentation with you can prevent a headache when arriving at the doctor’s office for the tests. You’ll most likely need to bring:
- Your valid state photo ID
- Your current doctor’s information, as well as the information of doctors you used to see
- A list of your current supplements and prescribed medications
- Information about your personal medical history and your family’s medical history
Although physicals and medical exams are typical parts of comprehensive Life Insurance applications, if you’ve never gone through these types of medical exams before, it may seem difficult to know exactly what to expect. Fortunately, the process is generally more straightforward than you think. Understanding the purpose of the exams, knowing the types of tests you may be asked to take, and coming prepared with key types of documentation can help make the process go as smoothly as possible.
About 1891 Financial Life
At 1891 Financial Life we don’t just sell policies, we offer possibilities. We pride ourselves on giving back to the communities that we serve by providing quality and comprehensive insurance solutions. We are a not-for-profit life insurance Society, which means the sales from these financial service products help fund member benefits along with social, educational, and volunteer programs designed to respond to community needs.
Our portfolio is extensive, ranging from various life insurance policies to our annuities to support your financial needs no matter what stage of life you’re in.