Things To Find From A Life Insurance Exam
Processing a life insurance, one is required to choose between several policies for one’s own self and family though that is not entirely the focus of it all but it is very important. Before you are able to get any form of insurance policy, every candidate is supposed to go through a series of medical examinations regularly. A majority of policies have long since abolished an exam less qualification for life insurance even though a handful still practice that today.
To help you understand why there is a need for a medical exam, read this article and find out what agents want to look into, what they test for and what you can gather from this procedure.
What Is There to Expect?
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. This testing agency is often commissioned by insurance companies to conduct the essential exams that are required of a certain insurance policy. The medical practitioners and professionals, as surprising to most, actually come over to your own houses or a location of your liking to conduct these tests. This certainly means you and your family get to stay at home while fulfilling this essential requirement.
What happens during the exam 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. Keep these important details in mind before showing up at the doctor’s.
Standard data like height, weight, blood pressure, and pulse will be collected as well. A series of personal health related questions will be asked to you and your family as well, 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?
You are probably thinking what these medical tests have to do with acquiring a life insurance and what kind of results will yield a negative or positive effect on the process. 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.