20 Jun 2019
medical professional taking blood pressure

What to expect during a life insurance medical examination.

When you apply for life insurance, you will have to complete a medical exam as stipulated by the insurance provider.  Not sure what to expect?  Then read onto learn more about the common procedures that take place during life insurance medical exams.

What Will Happen During Your Exam?

Life insurance medical exams are usually divided into two portions, a verbal questionnaire administered by a medical professional and a testing section.  During the questionnaire, you will be asked about your existing medical conditions, your family’s medical history, current medications that you are taking, and other health-related things.  During the second part of the exam, various samples will be collected for testing.  For instance, you will provide a urine and blood sample so the medical professional can screen for conditions such as high cholesterol, diabetes, and so on.  Common procedures and tests include the following:

  • Measurement of your weight and height
  • Measurement of your blood pressure and pulse
  • Blood work (to check things such as cholesterol, glucose, protein, and HIV)
  • Urinalysis (to check things such as HIV, protein, glucose, creatinine, and cocaine)

Where Do You Get a Life Insurance Medical Exam?

Despite what you might think, you do not actually have to go to a hospital or medical center for your medical exam.  Oftentimes, examinations are done in your own home.  The medical professional administering the questionnaire and the tests will travel to you.

How Long Do These Exams Take?

The questionnaire portion of the exam takes the longest, usually around 20 minutes.  Depending on your medical conditions and family history, this portion of the exam can take longer because the medical professional might have follow-up questions.  The sample-collection part of the exam only takes a few minutes.

This is what you need to know about life insurance medical exams.  Do you have more questions about securing life insurance?  If so, then contact us at Patterson & Associates in Richardson, Texas.  We are ready to assist you with all your life insurance needs today.