When you apply for a traditional life insurance policy, you may need to take a medical exam before you can be approved. The medical exam gives your insurance company an accurate picture of your health, which helps to determine if you’re eligible for coverage and what your rates will be.
During the exam, a medical professional will perform a basic physical and ask a few health questions. Life insurance medical exams don’t cost you anything and are designed to be simple and convenient. If you’re concerned about taking a medical exam for health reasons or want a quicker approval, a guaranteed issue or simplified issue policy might be a better choice for you.
What to Expect During a Life Insurance Medical Exam
Once you’ve applied for a life insurance policy, the medical exam takes place as part of the insurance company’s underwriting process. Here’s how the process typically works:
- A certified medical professional (a paramed) will come to your home, office, or another spot you choose for the exam.
- The exam takes about 30 minutes and typically involves measuring height and weight, taking your blood pressure, collecting blood and urine samples, and asking health questions.
- Your examiner will go over the specifics beforehand, including any other tests you might need.
- After the exam, your insurer will get in touch to let you know if you’re approved and what rate they can offer you.
Does all this seem like a lot to process? Don’t worry! Call Us 888-502-5267. The insurance experts at Elite Insurace Brokers are here to help answer your questions, address your concerns, and guide you in the direction of a final expense life insurance policy that fits your needs and your budget. Visit us today to get a free,-strings-attached quote, and then come back often for more information and inspiration about life and life insurance!
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