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How to Pass Life Insurance Medical Exam In 2024

February 03, 20249 min read

How to pass the medical exam for life insurance.

This essay is for you if this query is bothering you. You might need to have a medical examination in order to apply for life insurance.

This examination evaluates your general health and establishes your insurance eligibility.

It’s crucial to study for the exam in advance to guarantee that you get the best life insurance prices.

You can use the advice in this article to help you get ready for the life insurance medical examination.

Why is a medical exam important for getting life insurance

A medical examination is necessary to obtain life insurance since it informs the insurance provider about your health.

The exam’s results can be used by the business to calculate your risk of dying too soon. This data can be used by the business to determine life insurance premiums.

You can anticipate a higher premium if you smoke or have a pre-existing ailment.

Call us to learn more about our industry-leading no-medical exam term policies if you are healthy and under 60.

How can you get an appointment for a life insurance medical exam

You must get in touch with the insurance provider with whom you are seeking coverage in order to schedule a life insurance medical exam appointment.

They will give you a list of nearby medical facilities that they have pre-approved and make an appointment for you at one of those clinics.

Bring any paperwork or forms that the insurance provider may need to the appointment.

Available Options for taking a life insurance medical exam

When you apply for a life insurance policy, a life insurance medical examination is necessary.

The exam’s goal is to assist the life insurance company in calculating your mortality risk and, consequently, the appropriate price for your policy.

A life insurance medical exam can be completed in one of three ways: in person with a doctor, in a lab, or at home.

1. Domestic

So, conducting your life insurance medical exam at home is the third choice. With this choice, a package including everything you need to take the exam will be mailed to you. A blood pressure cuff, stethoscope, and instructions will be included with the box. You must thus collect your own urine or blood and urine samples and transmit them to the life insurance provider. The tests’ outcomes will then be used to calculate your premium.

The ideal solution for you will therefore rely on your preferences and timetable. Every one of the three approaches is acceptable for a life insurance medical examination. Also, each of the three choices will give the life insurance company the data it needs to accurately evaluate your risk.

2.At a lab

Going to a lab is an additional choice for your life insurance medical examination. Since you may plan an appointment for a time that works for you, using this option is frequently more practical than visiting the doctor’s office. You must therefore provide a sample of blood and urine to the lab. The life insurance company will then calculate your premium using the test results that were given to them.

3. With a physician (Examiner Present)

You must make an appointment and visit the doctor’s office if you decide to have a doctor do your life insurance medical exam. As a result, the doctor will inquire about your medical history and conduct a physical examination. Your height, weight, blood pressure, and heart rate will likely be recorded as part of the life insurance physical examination. Also, the doctor could ask for urine and blood testing. The life insurance company will therefore receive the exam findings and use them to calculate your premium.

A medical practitioner may take the exam at their office with an examiner present, it should be noted.

How is a life insurance medical exam conducted

Height and Weight

During the life insurance medical examination, your height and weight will be measured. The Body Mass Index is determined using these calculations (BMI).

Respiration, Heart Rate, and Blood Pressure

A basic blood pressure cuff and stethoscope will be used to take your blood pressure, heart rate, and breathing.

Urine Test

Urine samples will be required from you, and those samples will be examined for sugar, protein, and creatinine levels. Results that are abnormal may point to diabetes or kidney damage.

Tests for Cholesterol and Glucose

Your finger will be pricked to get a tiny sample of blood for testing your glucose and cholesterol levels. While high glucose levels could be a sign of diabetes, high cholesterol can cause heart disease.

Blood Test

In order to assess cholesterol levels, haemoglobin (the blood’s ability to carry oxygen), and hematocrit, a little blood sample will be drawn (percentage of red blood cells in the blood). Moreover, the blood test can be used to check for the presence of hepatitis B, hepatitis C, and HIV.


To screen for heart disorders such arrhythmias, heart enlargement, or signs of a past heart attack, an electrocardiogram (EKG) may be conducted. If you have a history of cardiac problems or are over 75, this is typically requested.

Medical History

You will now be questioned about your medical history, that of your family, your way of life, and your prescription drugs. The insurance provider will therefore use this data to determine your risk of contracting specific medical diseases.

In short, the medical examination required for life insurance is a crucial step in the application procedure. It aids the insurance provider in figuring out if you qualify for protection and how much your life insurance premiums will cost. An appropriately qualified physician conducts the examination, which typically lasts under one hour.

How to pass a life insurance medical exam

You must be in good physical condition and free from serious health issues in order to pass a life insurance medical examination.

Also, the insurance provider will check to make sure you don’t have a significant chance of later experiencing any major health issues. Make sure you are in good enough health to pass the test by:

A few weeks before the exam

-Eat well and exercise frequently

-Avoid using tobacco, alcohol, or narcotics.

– Get lots of sleep

-Be sure to visit your physician for a checkup.

On the day of the exam:

-Wear comfortable clothing

– Arrive on time

-Be honest and relaxed during the exam.

After the exam:

-Follow your doctor’s instructions

-If you smoke, put an end to it.

-Healthy eating and regular exercise

-Keep an eye on your health and schedule routine checkups with your doctor.

You can easily ace your life insurance medical test by paying attention to the advice provided here! Ask us about our no medical exam term items as well, if you’re in good health.

How can you get the results of a life insurance medical exam

The outcome of a life insurance medical examination can be obtained in a variety of methods. You might receive a copy of the report from your agent or business, or you might have access to it online.

You can also ask the doctor who conducted the examination to provide you with a copy. Your life insurance medical exam findings are kept private.

So, no one can access them without your consent. However, if the insurance provider has worries about your health, they could ask your doctor for more details.

What if your life insurance application is denied

Your application for life insurance may be rejected for a number of reasons. Perhaps you are not eligible for coverage because of a pre-existing medical condition.

Another possibility is that you omitted some or all of your medical history from your application. Being turned down for life insurance coverage, for any reason, can be upsetting and demoralising.

Here are a few possibilities to take into account if your life insurance application is rejected:

1. Submit a new application to a different employer

Try submitting a life insurance application to a different firm if you are in good health and don’t have any pre-existing conditions. You might have better luck with a different provider because different life insurance companies have different underwriting requirements.

2. Submit an application for a different type of policy.

If you already have a medical issue, you could still be able to purchase life insurance, but the benefits will probably be less generous. To check if you can be authorised, think about submitting an application for a policy with various coverage limits.

3. Request a policy from your employer.

If you’re turned down for coverage on the individual market, find out if your place of employment has any possibilities. Many workplaces offer life insurance as a benefit.

4. Invest in a life insurance policy without a medical examination.

A medical exam is not necessary for some simplified issue life insurance policies sold by insurers. If you can’t be accepted for standard coverage, these policies may be a possibility despite having generally smaller death benefits.

5. Think about adding a rider to your current life insurance policy.

You might be able to include a rider that offers coverage for your pre-existing condition to an existing life insurance policy. If you can’t be accepted for a new policy, this option—which is often more expensive than regular coverage—might be worth taking into account.

Don’t give up if you’re rejected for life insurance coverage; you still have options. Get a life insurance policy that suits your needs by discussing them with your agent or life insurance broker.

Frequently Asked Questions about Life Insurance Medical Exam

What will disqualify me from life insurance?

You may not be eligible for life insurance for a variety of reasons, including:

-A history of significant medical conditions such cancer, heart disease, or stroke

-A current drug or alcohol addiction

-A risky profession or pastime

An arrest record

-A mental illness history

How can I lower my blood pressure for an insurance test?

There are a few things you can do if you have high blood pressure to get your reading back to normal:

– Keep hydrated by consuming lots of water.

– Steer clear of coffee and other stimulants.

– Get lots of rest

– Breathe deeply and unwind

– Regular exercise

Eat a balanced diet.

– Refrain from using tobacco products and smoking.

How long should I fast before a life insurance exam

Depending on the kind of exam you’re taking for life insurance, you may need to fast before it. You ought to fast for at least eight hours prior to a typical medical examination.

You ought to abstain from food for at least 12 hours to get a more thorough evaluation. If your insurance provider demands it, longer-term fasting may be necessary.

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