Life Insurance Medical Exam

Life Insurance Medical Exam

Getting a life insurance may or may not involve a medical exam. Insurance companies require a medical exam to calculate the risks they are taking by approving a prospective policyholder. A healthy, younger policyholder will be more to likely continue to pay premiums while a high risk, older one will be likely to die sooner. Thus, premium collections will be low.

Should you decide to get a life insurance with a medical exam, it is best to be prepared for it. Passing a medical check-up is deemed important as based on the results of the potential insurer, the insurance company decides on the amounts of fixed premiums that you need to pay each month for the duration of your insurance or lifespan.

After you have finally got online quotes for whole life insurance and decided to get that insurance, you are wondering what will happen next. How does one go about complying with the medical exam required by the insurance company? Various forms will be filled-up requiring you to indicate basic data such as age, height, weight, your physician's name and contact numbers. Your medical history will be asked and questions like illnesses you have suffered or are currently suffering are expected to be included.

In addition, your family's medical history will also be looked into to check whether you might be a candidate to inherit these diseases like cancer, diabetes, ulcers, kidney/lung problems. Other questions like your work (to gauge stress levels), lifestyle habits such as smoking, use of medications and recreational drugs will be asked in the forms and during interviews. The amount of exercise you do (if at all) may also be routinely asked.

Although you cannot change your health overnight, there are things you can do to increase your chances of getting a clean bill of health. Weeks prior to your medical exams, it is probably a good idea to live a healthier lifestyle. Eat healthy foods like whole grains, fruits and vegetables, lean meat. Avoid fatty foods as these elevate cholesterol levels. Get enough sleep and relax a lot.

A few days before your exam is scheduled, avoid consuming lots of sugar and salt. Cease smoking on the day of the exam itself and refrain from taking alcohol as this shows up in the liver. In most cases, eating and drinking are not advised from the moment you go to bed till the morning after, just before an exam is due to take place in order to get the most accurate results.

Upon completion of the medical exam, it takes weeks or months for the insurance company to review all your data and the results of your exams. Taking all the above factors into account, they then determine if you are elgibile for insurance and fix the amounts of premiums you have to pay.