Life Insurance Medical Exam

When applying for a life insurance policy, you may be asked to take a medical examination. In general, if you are under age 40 are candidates for life insurance coverage of less than $ 100000, you probably will not have to take a medical examination. However, those who are older, less life insurance can be purchased without a medical examination. Of course, these figures also depend on your health history and subscription guidelines of the insurance company you choose.

A typical medical examination may include a basic physical, blood and urine tests. Some insurance companies also require EKGs and / or treadmill EKGs (stress tests), especially for large life insurance policies. You will also have to provide information about their medical history, including the names of doctors who’ve seen, dates on which saw them, and any recommended treatment. A nurse or doctor (often an independent contractor) which is paid by the insurance company will normally conduct the review.

If you have a medical condition, there is really nothing you can do to hide it. In fact, you should not even try. Insurance companies have access to an incredible amount of medical information through the Office of medical information, so even if you attempt to hide the facts, there is a good probability of an insurance company will find the information you need. In addition, if the insurance company discovers it has withheld information, it will look at everything else much more closely. And if they died from the disease, your insurance company may refuse to pay for their service in event of death.

There are a number of simple steps you can take to make sure you get the best possible results in their medical examination:

Get a good night’s sleep the night before the exam
* Fast for eight hours before the examination, if possible, to ensure accurate results
* Do not smoke at least one hour before the exam
* Avoid caffeine at least one hour before the exam
* Avoid alcohol for at least eight hours before the examination
* Do strenuous exercise for 24 hours before the examination
* Limit your intake of salt and cholesterol for 24 hours before the examination
* Cancel the exam if you get sick - even a minor infection can distort the results

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