Medical Test For Term Insurance Policy

In addition to asking questions regarding your health history, an insurance company may require that you complete a life insurance medical exam as part of the life insurance application process. If this is the case, don't feel as though you're being singled out. The fact is, that insurance companies routinely conduct life insurance medical exams on prospective policyholders to determine insurability and to establish premium rates. Have you ever wondered what is included in a life insurance medical examination?

What is the Purpose of Term Insurance Medical Tests?

To test for these issues, a typical life insurance medical exam may include a blood and urine sample, your height and weight, blood pressure, and pulse rate. Keep in mind that if you are age 50 or older and are applying for a large amount of life insurance, you may be asked to undergo additional tests that could include an electrocardiogram (EKG) and a treadmill stress test. In addition, your medical records may also be requested from your primary care physician.

• Once your exam has been completed, your samples will be sent to a lab for testing.
• The length of time before the life company receives your results will vary; however, it typically takes on average between 30 and 60 days for a life insurance application to be reviewed and a policy to be issued.

What Is Included in A Term Insurance Medical Test?

Life insurance companies routinely screen for a variety of different health alerts such as:

• Elevated blood sugar levels
• Abnormal liver and kidney functions
• HIV
• Cocaine, cotinine and the substance indicating nicotine use
• Conditions that may indicate heart disease, diabetes, and certain types of cancers

How To Prepare For A Life Insurance Medical Exam?

It's a good idea to ensure the exam represents your actual health condition and that you don't inadvertently misrepresent your health with practices that could negatively impact the results of your bloodwork or vitals. If you don't consider yourself to be at the peak of fitness, think about taking some time to put a healthier lifestyle in place before your insurance medical exam. 

To ensure that your results are not delayed, it's a good idea to spend some time collecting your personal and family medical history as well as a list of medications you take. By preparing before the exam, it's possible to avoid delays and frustration.

Life Insurance Medical Test Tips

Here are some important tips for preparing for the term insurance medical exam:

• Watch your diet for a few days before the exam. Avoid processed foods with lots of sugar or sodium. Red meat can raise your cholesterol levels. Eat fresh fruits and vegetables and lean meats. 
• Avoid vigorous exercise the morning of the exam, which can raise blood pressure.
• Drink plenty of fluids to ensure you are well-hydrated for the exam.
• Limit alcohol consumption before the exam to avoid high blood pressure readings.
• You may want to consider fasting to avoid high blood sugar.

Conclusion

Not every type of life insurance policy requires a medical exam. With guaranteed issues, final expenses, or simplified issue term life, there are typically no exams. Depending on the type of policy, you may be required to answer a few medical questions. Policies with limited medical examination often come with a higher premium cost. This is due to the life insurance company forgoing a full underwriting process to issue your policy.

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