What Almost No One Knows About Policies
When you try to avail of a life insurance, choosing a policy that best fits you and your family isn’t necessarily its focus, though is very essential in whole process. Before you are able to get any form of insurance policy, every candidate is supposed to go through a series of medical examinations regularly. While there are indeed ways to be eligible of life insurance without the hassle of taking an exam, new laws dictate to require a candidate of one.
The process of taking a medical exam can seem like a daunting task but please read on so you will have a better grasp at what proceeding without an exam may entail and its disadvantages when obtaining a life insurance.
What Are The Procedures Involved?
While uncommon, some life insurance giving companies have their own medical testing facility but more often than not, these tests are conducted in a separate agency. The testing agency that performs the medical exam is often in partnership with the insurance company. It may also surprise you that the medical practitioners assigned to you may leave the facility to administer or perform such tests in your own homes. This certainly means you and your family get to stay at home while fulfilling this essential requirement.
What are these tests exactly? And what do you need to prepare before such an exam? You will be expected to verify your identity by coughing up whatever legal and valid ID’s you posses like a driver’s license or passport. Blood and urine tests are part and parcel in every medical exam procedures so it will be required of you to fast for at least 8 to 12 hours. Always bear this in mind before you schedule an appointment.
Collecting data like height, weight, pulse, and blood pressure is standard procedure. A series of personal health related questions will be asked to you and your family as well, Some of these question you’ll be asked to answer include alcohol and nicotine use, past medical diagnoses, and family health history. These tests usually take at least 30 minutes to complete depending on the number of candidates involved for testing and the extent of questioning.
What Are They Looking For In The Test?
You are probably thinking what these medical tests have to do with acquiring a life insurance and what kind of results will yield a negative or positive effect on the process. Basically insurance companies only want transparency in the information you have provided, very your identity, and make sure that you are not involved in illegal substance abuse.
Standard medical data collected like knowing your height, weight, as well as blood pressure will allow physicians to determine whether you are likely to have diabetes or cardiovascular diseases.