Life Insurance Thursday: What’s involved in a life insurance medical exam?

Dr. David RiceAs a part of life insurance, most insurance companies require a medical exam during the application process. Many people considering life insurance will ask what exactly is involved in a life insurance medical exam. That is why we want to use this installment of Life Insurance Thursday to answer that question for you.

Who will perform the medical exam?

The examinations will be performed by a licensed medical examiner in your area.

What is typically included in the medical exam?

The examiner will review your medical history, perform a basic physical exam, take a urine specimen and take blood work. There are some insurance companies that may require EKGs.

How long will the exam take?

The exam usually takes about 30 minutes.

How much will the medical exam cost?

It does not cost you any money. The life insurance provider will pay for the medical exam.

Is there anything I can do to prepare for the medical exam?

Try to fast for at least 8 hours before your exam, although 12 hours is preferred. Drink enough water before your appointment so you can provide a urine sample. You should avoid coffee, soda, tea and other caffeine products several hours before your exam. You should also avoid using tobacco products at least one hour before your exam. Avoid drinking alcoholic beverages at least 24 hours before your exam. You should also get a good night’s sleep the night before your exam and avoid any strenuous exercise.

If you have any additional questions about a life insurance medical exam, you can give a trusted agent here at Community Insurance a call. We look forward to hearing from you.

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