Tips for Your Life Insurance Medical Exam
Common Questions about the Insurance Medical Exam
Medical examinations are performed by licensed paramedical examiners in your area. They are usually independent contractors.
One of the insurance company's approved and licensed paramedical examiners will call you to schedule an appointment at your earliest convenience. The medical exam may be performed in your home, office, or any other agreed upon the location that is convenient for you.
There is no cost to you. The insurance company pays for the medical exam.
A routine medical exam includes a review of your medical history, including the names of doctors you've seen, dates you saw them and any treatment recommended. A physical exam that includes height, weight, blood pressure and a pulse is conducted. You will be requested to provide a urine sample, and you will also have blood work done. Stress tests such as an EKG may be required to test your heart if you are 50 or older. The exam takes at the most, 30 minutes to complete.
The examiner will ask questions regarding medical conditions, surgeries, medications, or other previous treatments. The examiner will also ask the names and addresses of physicians and hospitals that have treated you. You may wish to collect this information in advance to save time during the exam.
If additional testing such as a questionnaire, electrocardiogram (EKG), or a blood test is required, the arrangements will be made by the examiner.
All information obtained during the medical exam is strictly confidential and is sent to the insurance company as part of your application.
Yes. You can request a copy of the lab test results directly from the insurance company, or you may send a letter with your application. To request your results by letter, write to the insurance company asking for a copy of your lab test results on an 8.5 x 11 inch sheet of paper. Include your name, address, the date and your signature.
Here are tips to keep in mind when preparing for your medical exam. The best time to schedule an exam is in the morning. However, you should always schedule your appointment during the least stressful time of the day for you. If a weekday exam is not convenient, you can arrange an appointment for Saturday or Sunday. Do not forget your license or another form of ID.
It is advisable to wear comfortable clothing. You are not required to undress for the exam. However, a short-sleeved garment or one with sleeves that quickly roll up is preferred.
It is best to fast for at least 8 to 12 hours before your exam. You may drink water during the fast. In fact, a glass of water an hour or so before the exam is desired to facilitate obtaining a urine specimen. You should also avoid the following:
- Avoid alcoholic beverages for at least 24 hours prior to the exam.
- Avoid coffee, soda, tea or other products with caffeine for several hours before the exam.
- Avoid smoking or chewing tobacco for at least one hour prior to your scheduled appointment.
- Avoid nasal decongestants.
- Avoid strenuous exercise for 24 hours before the exam.