Are you ready to buy life insurance? What you should know!

First of all, we all want to get the most affordable rates. Understanding the life insurance medical exam procedures and what they are looking for can make the process a lot smoother. Most of us are strapped with time, so many of the companies have partnered with medical professionals that will come to your home. This makes the process a lot less stressful for those of us who have busy schedules.

Most of the medical exams are standard for term life insurance and permanent life insurance policies and are provided for free by the insurance company. The life insurance medical exam is a simple physical performed by a qualified professional like a nurse not a doctor. This is an opportunity for the insurer to review your medical history and basic information.   

The information obtained is used to determine if you will be accepted for policy or not and what the premium will be.  Understanding this procedure is key to a successful application. Preparation for the exam is a must to getting the best rates for the least amount of money.

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Stages of the Life Insurance Application and Medical Exam

  • The agent/broker will complete a full application asking health questions, such as height/weight, smoker/non-smoker, and information about your health through a series of questions.  
  • Then, a life insurance medical exam will be scheduled and often can be done in your home. 
  • During the Medical/Paramedical exam the medical professional will ask you a series of questions 
  • You might be required to give a sample of urine and blood, standard and basic sample collections,. Your life insurance agent or broker should notify you in advance which test they will be doing.  

Life Insurance Medical exam procedure

The medical professional will ask a few questions.

  • First, your medical history, such as any hospitalizations, medications procedures you may have had or conditions.  
  • Second, your family medical history 
  • Important providers such as your Primary care doctor, Name, address and phone number of any specialist or medical situations.
  • Any lifestyle habits such as smoking, drinking, recreational drug use and exercise 
  • If you suffer from depression or anxiety 

Next, the medical professional will perform a few procedures.

  • Measurement of your weight and height 
  • Measurement of your blood pressure and pulse 
  • Blood work (checking your cholesterol, glucose, protein and HIV) 
  • Urinalysis checking things such as HIV, protein, glucose, creatinine and cocaine 
Life Insurance Medical Exam done in your home

“Life Insurance is one of the greatest gifts you’ll ever give your family!”

What life insurance medical exam companies are reviewing?

  • Your Body Mass Index (BMI)
  • Your Blood Pressure
  • If you have HIV or any other immune disorders 
  • Elevated sugar levels 
  • Your Liver and Kidney functions 
  • Your Cholesterol Levels 
  • If you have Diabetes 
  • Hepatitis 
  • Nicotine use (whether from cigarettes, e-cigarettes, nicotine gum or patches) 
  • Marijuana use 
  • Early signs of Alzheimer’s or other memory impairments 
  • Cocaine or other illegal drug use 

What happens after?

After you have completed the life insurance medical exam, the company will review the results and determine is if you are insurable and the rate you will pay. Learn more about How to prepare for the Life Insurance Medical Exam.  

Download the Life Insurance Buyers Guide Here