What Does a Life Insurance Medical Exam Test For

Getting a medical exam to be approved for a life insurance policy can seem daunting, especially if you have no idea what to expect. In this article, we delve into all aspects of a medical exam for life insurance so you know exactly what a medical exam tests you for and the benefits you receive for doing so.


Who Will Be Conducting the Medical Exam?

We arrange for a nurse (or doctor if required) to visit you at a location of your choosing to conduct the medical exam. In rare instances you may be required to visit a doctor at their clinic for assessment.


Do I Have to Undergo a Medical Exam?

A medical exam is not always required by an insurance company, it depends on a number of factors which include: your age, the amount of cover you are applying for as well as your medical history.

A medical exam also benefits you because it gives you a chance find out exactly how healthy you are and discover any underlying conditions you may not be aware of.  In some cases, their medical exam for life insurance was the only opportunity they had which allowed an illness they’ve been suffering from to be diagnosed and treated.

Best of all you get a complete health check-up for free!


Why Do I Need a Medical Exam?

A routine medical exam can be an essential part of assessing the potential risk of an individual. Ultimately the results from the medical exam are used to determine a person’s life expectancy. These results are also factored in according to your age, gender and lifestyle to provide an overall picture of your health status.

Keep in mind that the insurer is taking financial risk by insuring your health, which is why a medical exam is such a necessary part of the process. A thorough and accurate medical exam will help the insurer determine if they can insure you and at what rate.


What’s Included in a Life Insurance Medical Exam?

The medical examination process is a lot simpler and straight forward than many people realise. There are many different types of medical exams that insurance companies might request; they can vary from something as simple as a 10 minute check by a nurse to a full examination by a doctor.

You might also be required to complete a physical test to cover basic medical information such as:

  • Weight
  • Height
  • Pulse
  • Blood Pressure
  • Blood & urine specimens

For more information about these tests, take a look at our blog post: What Does a Life Insurance Medical Involve?

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