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. The process of obtaining a life insurance, like any other insurance policy, includes a requirement for each candidate to do a routine medical examination. A majority of policies have long since abolished an exam less qualification for life insurance even though a handful still practice that today.
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 Are The Procedures Involved?
While uncommon, some life insurance giving companies have their own medical testing facility but more often than not, these tests are conducted in a separate agency. 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 certainly means you and your family get to stay at home while fulfilling this essential requirement.
What do these tests include exactly? And what do you need to prepare before such an exam? Get your valide ID’s out including every other legal form of photo identification you posses to verify your identity. Blood and urine tests are part and parcel in every medical exam procedures so it will be required of you to fast for at least 8 to 12 hours. Always bear this in mind before you schedule an appointment.
Height, weight, blood pressure, and pulse will also be among the data collected and monitored during the exam. The doctor or medical practitioner assigned to you may also ask you about your medical history. Some of these question you’ll be asked to answer include alcohol and nicotine use, past medical diagnoses, and family health history. 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?
Perhaps it has now crossed your mind which of these tests qualify which policy you and you family are likely to obtain now that you know what the exam entails. Essentially, insurance companies only want to make sure that you are who you say you are, and that whatever information you have provided is true, that you are a qualified individual with no ties to unsavory illegal behavior such as illegal substance abuse.
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.
