Things To Find From A Life Insurance Exam
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. There are a few instances where an exam isn’t required to qualify for life insurance, however, new policies and the majority of insurance giving institutions require one these days.
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?
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. 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. What better place to be tested and prodded on than in the comfort of your own abode.
What do these tests include exactly? And what else do you and family need to prepare before taking the 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. Always bear this in mind before you schedule an appointment.
Collecting data like height, weight, pulse, and blood pressure is standard procedure. The doctor or medical practitioner assigned to you may also ask you about your medical history. 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. 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 Are The Tests For?
Now that you have a glimpse of what a medical exam entails, you want to know why and what these insurance agencies look for? Insurance companies want to know that you are providing true and lawful information about you and your family as well as make sure none of you are involved in illegal substance abuse before they deem you qualified for life insurance.
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.