What Happens During a Life Insurance Medical Exam?

What you need to know about life insurance medical exams.person having their blood pressure being taken

When you go through the process of applying for life insurance, the insurance provider may ask you to complete a medical examination.  Many people are nervous about this exam because they are not sure what to expect.  To alleviate your fears, here are some of the important things to know about life insurance medical exams.

Exam Procedures

Life insurance medical exams are usually divided into two portions, a verbal questionnaire administered by a medical professional and a testing section.  During the questionnaire, you will be asked about your existing medical conditions, your family’s medical history, current medications that you are taking, and other health-related things.  During the second part of the exam, various samples will be collected for testing.  For instance, you will provide a urine and blood sample so the medical professional can screen for conditions such as high cholesterol, diabetes, and so on.  Common procedures and tests include the following:

  • Measurement of your weight and height
  • Measurement of your blood pressure and pulse
  • Blood work (to check things such as cholesterol, glucose, protein, and HIV)
  • Urinalysis (to check things such as HIV, protein, glucose, creatinine, and cocaine)

Exam Location

Despite what you might think, you do not actually have to go to a hospital or medical center for your medical exam.  Oftentimes, examinations are done in your own home.  The medical professional administering the questionnaire and the tests will travel to you.

Exam Duration

The questionnaire portion of the exam takes the longest, usually around 20 minutes.  Depending on your medical conditions and family history, this portion of the exam can take longer because the medical professional might have follow-up questions.  The sample-collection part of the exam only takes a few minutes.

This is what you need to know about your life insurance medical examination.  Do you need help securing the right life insurance to meet your needs?  If so, then contact the experts at Miller Carlisle Insurance Services.  We are ready to get you the coverage that you need today.