Medical exams for life insurance can involve anything from a quick review of your medical history, your family’s medical history, noting your height and weight, and taking basic vital signs (blood pressure and pulse) and a swab of cells from the inside of your cheek, or it can be a more extensive exam requiring an EKG (electrocardiogram), blood tests, X-rays, and urinalysis. In addition, on your insurance application, you give the insurance company permission to check with your doctor to follow up on any findings or questionable items on the application.
The extent of your physical exam is based on the following:
The extent of your physical exam is based on the following:
- Your age
- Your medical history
- Your family’s medical history
- Whether you smoke
- The amount of insurance you’re seeking to buy
For the quick review, usually a health professional comes to your home or office. If you need to undergo more testing, the company may ask you to see a physician or go to a clinic. The insurance company bears the cost of the exam (although, of course, such administrative costs are built into the cost of the insurance policy you purchase).
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