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. Before you are able to get any form of insurance policy, every candidate is supposed to go through a series of medical examinations regularly. 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.
To help you understand why there is a need for a medical exam, read this article and find out what agents want to look into, what they test for and what you can gather from this procedure.
What Are The Procedures Involved?
For those of you who have never undergone such a process that requires a medical exam, it may come as a surprise to you that a third party agency conducts the tests. 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 are these tests exactly? And what do you need to prepare before such an exam? You will be expected to verify your identity by coughing up whatever legal and valid ID’s you posses like a driver’s license or passport. Fasting for a minimum of 8 hours to a maximum of 12 will be asked of you before undergoing blood and urine tests. 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 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. The visit however don’t usually last an hour depending of course on the extent of the doctor’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.
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