Life Insurance Medical Exam- Before you can get your final quote and actually sign your policy, you must have a medical examination. The purpose of this test is clear. First, they want to make sure the information you provide on your application and second, they want to know if you have a medical condition which you may not realize. This test will directly affect the health of your insurability and the final cost of your premiums.
In most cases, insurance companies will pay for medical and paramedical exams will choose who will perform the test. In some cases, no medical examination may be required. This usually happens to young people and / or policies with little coverage. In most cases, you can expect to be contacted by a paramedic to schedule your life insurance medical exam.
Interestingly enough, the more coverage you request and the type of policy you are looking for, your examination will be wider health. Physical exam, urine specimen, blood tests, ECG and x-rays are common in medical exam. You also can hope for an HIV test, high cholesterol, liver or kidney disorders, diabetes, hepatitis and immune disorders, and drug use, and smoking.
After your exam, the results will be sent to the insurance company for review. This is why providing the most accurate information about your application is important. If they find any differences between your application and exam results that they can deny you coverage or to request a second test.
If you are denied coverage based on your health inspection, it is your right to be sent copies of health tests to be examined by you or your doctor. If you believe that any test results, do not hesitate to contact your insurance company and request a second medical examination.
After the insurance company reviews the results of medical examinations and approve you, they will calculate premiums based on all information, conditions, provisions, health risks, etc. are determined and submit your final policy quote for review and acceptance.
Try to be very accurate in your policy application. This can be very difficult to fool life insurance health exam and sometimes insurance companies will actually deny you coverage based on your inaccuracies, although they may be covered you if you have more accurate, with a higher premium of course.
Examples of this came to us from a colleague in Miami, Florida. He declared in the application that he is a non-smoker. And most of this is true. He does not consider the 3-4 cigarettes he smoked per week to qualify him and categorize him as a smoker. After the exam is completed, it showed that he was a smoker. The insurance company refused to process his application further. He stopped smoking for some time and applied to the insurance company where he was accepted as non-smokers.
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