When applying for life insurance, people are often concerned about the health exams or blood tests that might be required.<\/p>\n
Medical exams are common when it comes to life insurance.<\/p>\n
Once you understand how the exam will be conducted, you can become comfortable with the life insurance medical exam.<\/p>\n
In this article<\/strong>:<\/p>\n Initially, it might feel invasive to have your insurance provider checking into something as personal as your health, yet their stake in your health is substantial.<\/p>\n In fact, your insurance provider is taking a financial risk by insuring you. For your provider to take this risk, they need to know about your health and other important information.<\/p>\n For example, if you drink heavily or smoke<\/a>, your provider will view these lifestyle habits as a greater risk. Life insurance companies assess health and other risks before deciding if they can insure you and at what rate.<\/p>\n Typically, these routine tests are conducted by paramedics or traveling nurses used by the insurance provider, which are essentially standard throughout the life insurance industry.<\/p>\n The exams tend to be brief and involve little inconvenience.<\/p>\n A certified professional will examine your height, weight, and blood pressure in addition to drawing a blood sample.<\/p>\n A blood sample provides the insurer with the information they need to make basic assessments concerning your health.<\/p>\n The following breakdown outlines what your blood sample can tell your insurance provider.<\/p>\n Your blood sample can provide information about your heart as well as your arteries, including:<\/p>\n The health of your liver is another essential factor your insurer will examine. Their tests look at enzymes like Alkaline Phosphatase, AST, ALT, and GGT, which may determine if there is liver or muscle disease present.<\/p>\n Your protein level can indicate to your provider if either liver or kidney disease may be present.<\/p>\n A high level of Bilirubin is associated with liver or gallbladder disease. A diminished level of Albumin, on the other hand, can also be suggestive of severe liver disease as well as indicate the presence of other disorders.<\/p>\n Increased levels of Globulin are associated with infection or immune system problems.<\/p>\n Medical tests involving the pancreas look for blood and urine Glucose as well as Fructosamine. The amount of sugar in your blood can indicate diabetes.<\/p>\n If Glucose is present in your urine, there is also a risk of this condition. If Fructosamine is detected, there is a likelihood of uncontrolled diabetes.<\/p>\n Your provider will also test your blood for HIV as well as the presence of Cotinine which alerts them to a smoking habit. Some insurers may also require an EKG.<\/p>\n Your exam results typically take several weeks to be reviewed. You will be provided with a copy of the results, as will your provider.<\/p>\n They will assess the exam results and look at other risk factors that will inform their decision, like criminal background and lifestyle choices (i.e., drug use). Then, of course, they will notify you of their decision regarding coverage. Your exam results may also play a role in the rate of your premium<\/a>.<\/p>\n Your insurer will be able to discuss how your exam impacts your rate and address any other issues or concerns you have about the nature of their exam.<\/p>\n If you want to avoid a medical exam or have serious medical issues, there are still options out there for obtaining life insurance.<\/p>\n No medical exam policies can be purchased if you feel that your current health, such as needing life insurance with cancer<\/a>, will hinder you from getting traditional medically underwritten insurance.<\/p>\n When researching whether a plan with no medical exams is right for you, be aware that there are some advantages and drawbacks with this type of policy.<\/p>\n\n
Why Does Life Insurance Require A Medical Exam?<\/h2>\n
How Do Life Insurance Medical Exams Work?<\/h3>\n
What Does A Life Insurance Blood Test Look For?<\/h2>\n
Heart Health<\/h3>\n
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Liver Health<\/h3>\n
Total Protein Level<\/h3>\n
Bilirubin and Albumin Levels<\/h3>\n
Globulin Levels<\/h3>\n
Pancreas Health<\/h3>\n
Additional Blood Tests<\/h3>\n
What Happens To Life Insurance Health Exam Results?<\/h2>\n
Can I Get Life Insurance Without Taking A Medical Exam?<\/h2>\n
Easy to Qualify<\/h3>\n