Why I Need A Medical Exam For Life Insurance

The medical exam is something that stops many people from even considering life insurance. The truth is, there’s not much to fear. Most insurance companies require a medical exam because they are taking a risk. A medical exam allows them to lessen the risk by using the results to determine your life expectancy. The results also allow them to determine an appropriate premium rate. The better health you are in, the lower your premium will be.

What Does It Entail

The medical exam is usually short and simple. A typical exam includes collecting your height, weight, blood pressure, a urine sample and blood sample. You may have to answer a series of questions about your health and family history.

A basic exam usually only takes about 15 to 20 minutes, and life insurance companies will make it easy on you, by sending someone to your house to complete the exam. If you go to your doctor’s office, some companies will reimburse the costs.

Do I Have To Take It 

For most insurance policies, yes, a medical exam is a necessity. But there are some exceptions. There are no medical exam life insurance policies, although you will typically pay a higher premium rate for this type of policy, many find it worth it. Not only do you skip the medical exam, but you can receive a decision for the insurance company in as little as 24 hours.

Remember though, in order to find your lowest rates, a medical exam is necessary. If nerves about taking a life insurance medical exam are stopping you from buying life insurance, start by getting a quote online at goldcoastlifeinsurance.com.


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