The Life Insurance Medical Exam

Before you get a final quote for a life insurance policy, a medical exam is required to verify the health information you have submitted.

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Scheduling the life insurance medical exam

After your application is submitted, a paramedic will call you to schedule an appointment for the life insurance medical exam. The insurance company pays for exam.

What to expect at the life insurance medical exam

Your exam includes the following:

  • physical exam
  • urine specimen
  • blood work
  • EKG
  • x-ray

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Following the life insurance medical exam

Based on the results of your medical exam, the insurance company will either deny or accept your application. If you are denied a policy because of your medical exam, you should request the results be sent to you to make sure there are no errors.

If the insurance company denies your application based on a health risk, you may need to shop around for life insurance that offers coverage despite your medical condition.

For more help . . .

Getting the lowest possible premium on your life insurance is almost like an art form. There are many variables to consider, and to get the right balance of term length, benefit amounts, and policy riders and illustrations, you need to take a careful step-by-step approach to the buying process.

Our free life insurance course is designed to help you do just that.

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