When you apply for a life insurance policy, you will be required to undergo some type of medical examination. Many people believe this is some type of arduous obstacle course devised by insurance-approved medical clinicians to cull out 'undesirable' policyholders. In reality, the test you'll receive is similar to a routine physical at your doctor's office, and it may be a little less stressful in some circumstances.
It's critical to maintain papers and/or the company name available to your beneficiaries when the time comes, as it is with any insurance. It's as simple as enrolling on a life insurance database to ensure that this information is never lost and that your life insurance policy is never lost.
The medical exam is designed to uncover any underlying issues that can or will shorten your life or have a negative impact on your general health since you are a potential liability to the insurance company. Blood tests are used to check for diseases such as diabetes, immunological deficiencies or abnormalities, and other problems that could affect your life expectancy. In most cases, a urine test is performed to check for pharmaceuticals or illegal drug use.
An insurance underwriter uses the results of the tests to determine your insurance rating and the amount of your policy premium. You'll almost certainly receive a copy of the test results for your records, and if additional tests are required, a follow-up round of testing will be organized.
After you've submitted all of the required application paperwork and introductory papers, the medical exam will be scheduled. Many people can arrange their exams at home or at work, however, for blood and lab tests, it is occasionally required to plan an appointment with an independent medical professional. You'll be asked for a full medical history, so it's a good idea to get a copy of your medical records from your regular doctor - it'll save you time and be far more accurate than your recollection! Height, weight, and blood pressure are measured, and if a blood sample is required, it may be as simple as a finger prick. However, depending on how much you want your policy to cover and how valuable it is, you may need to obtain a full blood workup. After that, you'll be asked to produce a urine sample, and you'll be finished. Isn't it bad?
You don't have to be an Olympic athlete or a marathon runner to qualify for a comprehensive life insurance policy, so don't be concerned if you aren't the perfect human being. If you're afraid about having the exam or about being denied coverage because of your health, attempt to get a decent night's sleep the day (or days before) the exam - at least 8 hours is suggested.
If you're a smoker, take a break from nicotine and other stimulants like caffeine for a few days; reduce or eliminate coffee use. Avoid strenuous exertion the day before the exam and stick to a healthy, well-balanced diet. If possible, schedule your exam at home before work to give your body and mind a break from your busy workday. Continue to eat a nutritious and balanced diet, get regular checkups, and don't overdo it or develop an unhealthy habit like smoking if you're already health concerned.