What Life Insurance Exams Entail
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. 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.
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 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. This testing agency is often commissioned by insurance companies to conduct the essential exams that are required of a certain insurance policy. It may also surprise you that the medical practitioners assigned to you may leave the facility to administer or perform such tests in your own homes. 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. Always bear this in mind before you schedule an appointment.
Collecting data like height, weight, pulse, and blood pressure is standard procedure. You also be asked to fill out a series of medical related questions. You may be asked personal health issues that have been diagnosed in the past, you family health history, substances you may have taken like alcohol intake and the like. Medical exams don’t usually take too long depending on how many candidates are required for testing as well as the extent of the physician’s queries.
What Are They Looking For In The Test?
Perhaps it has now crossed your mind which of these tests qualify which policy you and you family are likely to obtain now that you know what the exam entails. 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.