Life Insurance FAQ's

Showing Tag: " exam for life insurance" (Show all posts)

Doctor Checkup for Life Insurance?

Posted by hadley hadley on Thursday, December 17, 2015, In : Life Insurance FAQ's 

Why do life insurance companies make you go to see a doctor for a checkup?

Actually, most life insurance companies do have a medical exam requirement for applicants based on the person's age and amount of life insurance being requested.

For instance, some insurers may require a medical exam if you are over age 30 or requesting more than $50,000 of life insurance.

However, the exam is usually a paramedical exam performed in your home or office by a paramedical examiner, not a doctor. And, the exa...
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What Do They Test For When Getting Life Insurance?

Posted by hadley hadley on Friday, May 16, 2014, In : Life Insurance FAQ's 

When you take a medical examination for a life insurance policy, you usually have a blood test and urine test in addition to the health questions and vitals check.

For older people the life insurance company may ask you to complete an EKG as well a mature assessment which looks at cognitive and mobile abilities. Seniors may be asked to perform the mature assessment.

Some common things life insurers look for in these health tests may include cholesterol levels, A1C (Blood Sug...


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What Happens At A Life Insurance Exam?

Posted by hadley hadley on Wednesday, September 4, 2013, In : Life Insurance FAQ's 

What happens at a life insurance exam depends on your age, the life insurance company, and the amount of life insurance for which you are applying. 

If you are young and applying for a small life insurance policy under $100,000 of coverage, it is possible that all that is needed is answering some medical questions, and maybe giving a sample of urine for testing.

For most people that apply for a medically underwritten life insurance policy over $100,000 of coverage, a blood ...


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