The Google search “Do I need a medical exam to get life insurance?” is surprisingly popular. I think the unknown aspects of what a life insurance medical exam involves is a little nerve-wracking to some people. Quotacy is here to share some information about the exam and offer some transparency.
In general, going to the doctor is typically not a pleasant experience. It may not be a bad one necessarily, but it’s also not something you look forward to, so why would people want to add another doctor trip to their lives? Well, good news, a little known fact about the life insurance medical exams is that the examiner comes to you! No need to schedule a time to take off work and head to a clinic. The certified examiner will come to you where it’s convenient, whether that’s at your home or workplace. The exam itself should only take 20-30 minutes and isn’t too invasive.
The medical exam includes:
- Height and weight measurements
- Pulse and blood pressure check
- Urine sample
- Blood sample
The examiner will also review both your personal and family health history. In some cases an EKG may be needed; this is typically based on age and coverage amount. There is no charge to you for this exam. No co-pay, no nothing.
The whole reason for this exam is to help the underwriters determine how much you should pay to have life insurance. Your health is the major factor in determining these prices and the medical exam results have the answers they need.
Just like any other exam, if you prepare for it, the easier it will be and the better your results. A couple preparation tips are:
- Fast 6-8 hours prior to your exam. Not fasting runs the risk of elevated blood sugar and blood pressure levels.
- Don’t smoke or drink coffee at least one hour prior. Nicotine and caffeine will elevate your blood pressure.
- Avoid drinking any alcoholic beverages at least 8 hours prior. Alcohol is high in calories and sugar which elevates blood pressure.
- Try to avoid overly salty and sugary foods 24 hours prior. High amounts of salt and sugar elevate blood pressure.
- Drink a lot of water the day leading up to and a couple hours prior to your exam. The water will hydrate your system and make it easier for the examiner to draw blood.
- Avoid strenuous cardio the night before and the day of your exam. Exercise raises your blood pressure and pulse readings.
- Get a good night’s sleep. Your blood pressure will be lower if you are well-rested and it also helps offset anxiety and fear.
There are no-exam life insurance policies out there, but these come with extremely high premiums. Basically, you’re paying the luxury tax to not have to go through a medical exam. It’s more cost effective for you to get the exam and go through the typical underwriting process. Also, we want to note that sometimes the life insurance process takes a bit of time because it’s so thorough. Getting life insurance protection is worth the 3-6 week wait. Start now by running your own term life insurance quote online. You can learn, decide, and apply at Quotacy in the privacy of your home or business.