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. 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.
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 In The Medical Exam?
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. The testing agency that performs the medical exam is often in partnership with the insurance company. 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 means you get to relax and not feel the pressure of being in a dreary, bleak medical facility.
What do these tests include exactly? And what else do you and family need to prepare before taking the 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. 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.
Height, weight, blood pressure, and pulse will also be among the data collected and monitored during the exam. 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 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. 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.