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 In The Medical Exam?
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. 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. What better place to be tested and prodded on than in the comfort of your own abode.
What are these tests 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, 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. 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 Will The Tests Reveal?
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. 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.
Essential procedure that measure one height, weight, and blood pressure allow physicians to know whether anyone in your family may be at risk of more serious medical problems such as obesity and cardiovascular diseases.