What Is a Life Insurance Medical Exam?
When you apply for term life insurance, you may be asked to take a medical exam. This quick checkup helps the insurance company understand your health and set your rate. The exam usually takes 20-30 minutes and can often be done at your home or office.
What Does the Exam Include?
The medical exam is pretty straightforward. It often includes basic measurements like height, weight, and blood pressure. You'll also be asked a few questions about your medical history and lifestyle. A blood and urine sample may be collected to check for certain health markers. The results help insurers get a clear picture of your overall health.
How to Prepare for Your Exam
- Get a good night’s sleep the night before.
- Avoid caffeine and salty foods for at least 24 hours.
- Wear short sleeves for easy blood pressure and blood sample collection.
- Have your ID and any doctor’s contact information ready.
Taking a few simple steps can help your results reflect your best health. For more details about the term life insurance process, visit our guide to term life insurance.
What Happens After the Exam?
Once your exam is complete, the results are sent to the insurance company. They use this information, along with your application, to decide your coverage and rates. If you have questions about what happens next, learn more about applying for term life insurance on our website. Knowing what to expect can make the process smooth and stress-free.