What Happens During a Medical Exam?

When you are buying life insurance you may be asked to submit to a medical exam. The insurance company is interested in better understanding your overall health, any chronic disease that you might be dealing with, and they want to see if there are any indications that your life span could be affected. They also want to know if you are a drug user or a smoker. If you have been dishonest about smoking or drug use then this medical exam could be a problem. If you have been honest, there is nothing to worry about, and you can even apply over phone.

To prepare you for your medical exam lets first understand that you do not need to be worried. They are not going to do anything that you are unfamiliar with. There is nothing to hide and nothing to fear. Just answer the questions as completely as you can, cooperate with their requests, and get the exam over with. It is worth it to go through a simple medical exam to get quality life insurance protection. Think of this medical exam as just another physical. There is no exotic tests you will endure.

Poked and Prodded

Like any physical medical exam you are going to get poked and prodded a bit. You will be weighed and measured. You will be asked to give a blood and urine sample. The insurance company will look at both your HDL and LDL cholesterol numbers. They are now also looking at general inflammation levels. These numbers can be indicative of your heart health and your propensity for heart disease. This is important information because untreated heart disease can significantly affect the life span of an individual.

If you know that you have an issue and you are managing it with medication, diet, and exercise, do not hesitate to provide a letter from your doctor spelling out your management plan and your progress. The insurance company knows that most everyone deals with some kind of health issue. If you can show them that you are managing any health issues effectively it can minimize the effect on your overall health profile on paper.

Your Family History

You will be answering a lot of questions about your health and your family health history. They are going to want to know if you have a history of cancer and heart problems in your family. Obviously, insurance companies know that cancers are much more survivable and heart disease is much more treatable than it used to be. Just be upfront and tell them what you know to the best of your recollection.

When your medical exam is underway it is important to be cooperative. No one is trying to trap you or trick you. There is no need to be defensive about anything. The medical doctor that works for the insurance company is going to prepare a report laying out their opinion on your overall health. The insurance company is not looking for one thing in particular. They are not going to reject you because you have high blood pressure or your mom suffered from breast cancer. They are going to look at the big picture along with your other factors.

Life insurance medical exams are just like any other physical you have had. Relax, answer the questions, be upfront, and cooperate with any request. Life insurance coverage is a protection you cannot go without. You and your family deserve the peace of mind that if offers. Don't worry about what happens during a medical exam. Just go in and answer the questions honestly. You will do great.

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