Life Insurance Exams and What You Are Likely To Find
When you try to avail of a life insurance, choosing a policy that best fits you and your family isn’t necessarily its focus, though is very essential in whole process. The process of obtaining a life insurance, like any other insurance policy, includes a requirement for each candidate to do a routine medical examination. While there are indeed ways to be eligible of life insurance without the hassle of taking an exam, new laws dictate to require a candidate of one.
The process of taking a medical exam can seem like a daunting task but please read on so you will have a better grasp at what proceeding without an exam may entail and its disadvantages when obtaining a life insurance.
What Are The Procedures Involved?
You may be surprised, however, to find that a separate agency or medical institution is assigned to conduct the tests needed for the medical exam. This testing agency is often commissioned by insurance companies to conduct the essential exams that are required of a certain insurance policy. Surprisingly, the agency’s medical professionals actually conduct such tests and exams in your location of choice such as your home, where you are most comfortable. This certainly means you and your family get to stay at home while fulfilling this essential requirement.
What do these tests include exactly? And what does one need to do before going through with the exam? Get your valide ID’s out including every other legal form of photo identification you posses to verify your identity. Blood and urine tests are part and parcel in every medical exam procedures so it will be required of you to fast for at least 8 to 12 hours. Keep these important details in mind before showing up at the doctor’s.
Height, weight, blood pressure, and pulse will also be among the data collected and monitored during the exam. 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. These tests usually take at least 30 minutes to complete depending on the number of candidates involved for testing and the extent of questioning.
What Are The Tests For?
You are probably thinking what these medical tests have to do with acquiring a life insurance and what kind of results will yield a negative or positive effect on the process. Essentially, insurance companies only want to make sure that you are who you say you are, and that whatever information you have provided is true, that you are a qualified individual with no ties to unsavory illegal behavior such as illegal substance abuse.
Data collected as you were measured for height, weight, and blood pressure would determine whether or not there are underlying risks of cardiovascular diseases, diabetes, obesity or other health risks.