Are you ready to buy life insurance? What you should know!
When applying for Life Insurance to get the most affordable rates, you may need to take a medical exam, also called a paramedical exam. Medical exams are standard for most term life insurance and permanent life insurance policies and are provided for free by the insurance company. A life insurance health exam is a simple physical performed by a qualified medical professional like a nurse not a doctor. This is an opportunity for your life insurance company to review your medical history and basic information that was used during your life insurance application.
This information is used to determine if you will be accepted for your life insurance policy or not and what the premium will be.
Stages of the Life Insurance Application and Medical Exam
What to expect during the Para-med Exam?
During the exam, the paramedical professional will generally ask a series of questions such as:
During the exam the paramedical examiner will perform a few procedures such as:
“Life Insurance is one of the greatest gifts you’ll ever give your family!”
What insurers are looking for during the medical exam!
What happens after a life insurance medical exam?
After undergoing the medical exam your insurance company will review the results to determine if you are insurable and what premium they will charge you. Learn more about How to prepare for the Life Insurance Medical Exam.