What Life Insurance Exams Entail
Processing a life insurance, one is required to choose between several policies for one’s own self and family though that is not entirely the focus of it all but it is very important. A routine medical check up is expected of every candidate before he or she is eligible to obtain any sort of insurance policy. A majority of policies have long since abolished an exam less qualification for life insurance even though a handful still practice that today.
Before you go hunting for policies that qualify you without an exam, take a closer look at this article to have a better view of what these medical exams provide and what you may expect.
What Is There to Expect?
While uncommon, some life insurance giving companies have their own medical testing facility but more often than not, these tests are conducted in a separate agency. Usually your insurance company hires these types of medical facilities to perform the needed tests and exams required for you to qualify for life insurance. 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 happens during the exam exactly? And what do you need to prepare before such an exam? Insurance agencies are very keen on avoiding identity theft which is why you need to present multiple legal and valid photo identification forms to verify your identity. It’s also standard procedure to fast for 8 to 12 hours before your exam as blood and urine testing will also be done. Before setting your final appointment schedule you have to remember these important details.
Collecting data like height, weight, pulse, and blood pressure is standard procedure. A series of personal health related questions will be asked to you and your family as well, Some of these question you’ll be asked to answer include alcohol and nicotine use, past medical diagnoses, 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 Will The Tests Reveal?
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. Basically insurance companies only want transparency in the information you have provided, very your identity, and make sure that you are not involved in 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.