Medical Exams for Life Insurance – Facts you Need to Know About

What are the tests for life insurance? The successful approval of term insurance largely depends upon the declaration made on the application form. A term insurance policyconsists of lots of goodies in a compact package. It is one of the cheapest life insurance policies that your money can buy. Depending on the company you choose and the type of plan, you might end up with a medical test.Although your insurance agent will brief you, here are some pointers about medical exams for life insurance you need to know about.

What is a Medical Exam?

A medical exam which is conducted to test your overall wellness. It identifies the specific needs of a person which needs to be addressed by a healthcare system.This test inspects the body system using vision, smell and hearing to assess normal conditions and deviations.

How to be ready for your Medical Exam

Once the process of submission is completed, the insurance company will get back to you with the request for medical tests. If they see any kind of risk involved, an appointment is scheduled.

The insurance company will provide you with available centers in your locality, and you can select one as per convenience. Any specific requirements will be mentioned by the company to you. No financial transaction is involved between the party and the client.

Details to Follow to Make the Exam Accurate

There are certain precautions to take in how to pass a life insurance medical exam:

• Water Intake:Drink plenty of water as water cleans out your system and hydrates your body. Not only will water help to clean out your digestive system and urinary tract but it also enhances blood flow and will make it easier for you to produce a urine specimen.

• Diet Considerations:Watch your diet and modify it. You need to cut back on sodium and sugar consumption and also avoid red meat as it will elevate the blood pressure and cholesterol level. Cutting out sugar and red meat for a few days beforehand will minimize the impact. Insurance companies rate various health factors in tiers and any bump on the parameters can result in a premium increase.

• Influence of Alcohol:The best way to prepare for life insurance exams is to abstain from alcohol for a week before the medical exam for life insurance. Any sort of elevated alcohol level in your blood will indicate a problem with alcoholism.This also helps in stabilizing your weight before the exam and will result in favorable life insurance medical exam results.

• Exercise Factor:Avoid exercise on the day of the medical exam as it might elevate your blood pressure and protein levels in urine. The better strategy in how to pass a life insurance exam is to relax and put off any plans until the exam is over.

• Fasting Recommended: Do not eat on the dayof going for your medical exam. It is typically recommended to be fast for at least 12 hours. Food of any kind can distort the result of blood work, and this will be your last opportunity to present a clear picture for your life insurance medical exams.

• Stress Levels:Avoid stressful situations a few days before the medical exam. Though it is never possible to beat stress, you should use every possible means to avoid stress before the exam. Stress not only elevates your blood pressure but can also alter the physical parameters of your body.

• Clothing and Posture:Dress light and for the weigh-in stand up tall. The idea is to maximize your height and minimize your weight. One of the main factors that life insurance companies check is the weight-to-height ratio. This indicates that your weight has to be proportionate to your height. By dressing light and standing tall, you will improve your ratio.

• Effect on Blood Pressure:If you are nervous, ask the examiner to take your blood pressure reading the last. Do not be hesitant to ask for this change in priority. You can even explain to the examiner that medical exams make you nervous and elevate your blood pressure. It is for certain that he or she will fully understand and accommodate your request.“White coat hypertension” is real. A person’s blood pressure rises by just having a thought of medical exam of any sort.

What Are Medical Exams that are Likely to be Conducted?

You may ask the question “What are the tests for life insurance?” The medical tests required for individuals vary from case to case. It mostly depends on the declaration made in the application form. If your insurance company wants you to undergo some medical tests, the most common ones would be height and weight measurement, blood test, and urine test. The necessary measurements help the insurance company to understand Body Mass Index (BMI) and if the applicant is prone to risks. Blood tests usually consist of the following tests:

1. Complete Blood Count
2. Differential Count
3. Bio
4. Fasting Plasma Glucose
5. Signs of immune disorder
6. Signs of Diabetes
7. Hypertension

Your medical tests might also include tests for cholesterol levels as well as HIV I & II. Urine tests ensure the cotinine levels found in the samples are within an acceptable range, thus supporting your smoker or non-smoker status in the application form. If you or anyone in the family has a history of some illness or diseases, the insurance company might ask for additional tests.Recent studies confirm that the examiners may want to be aware of every doctor which you have visited.

Why do we need to give a Medical Exam?

A term plan can be your backup plan in case of untimely death. It takes care of the financial responsibilities, loans, and children’s education. While purchasing a policy that requires mandatory health check-ups, your good health can get your premiums lowered a great deal. A medical test, therefore, can be useful when purchasing a term insurance plan.

Results of Medical Exams

After undergoing the medical exam, your insurance company will review the life insurance medical exam results to decide whether you are insurable or not and what premium they should charge you. The time to fully process your application may up to a month. If there are severe deviations, the company may deny the cover, or you have to pay a very high premium to stay covered, which is a discretionary power that the company reserves.

To be Forewarned is to be Forearmed

It always better to be safe than sorry. There is always a tendency to minimize the importance of a medical exam for life insurance, but the best advice is don’t. Your insurance agent will reiterate this to you. While you might be unable to do much about any chronic health condition there are ways by which you can reduce the impact.

Taking these necessary precautions will definitely help you to manage your unplanned expenses when unexpected situations arise. Life insurance can save you and your family from unforeseen disasters and being careful about your medical exams can help you reduce your monthly premiums. Follow these useful tips about medical exams for life insurance you need to know about and passing your medical exam will be a cakewalk!