by Guest » Wed Oct 01, 2008 04:18 am
Is it that I'd need to sit for a medical test in order to apply for my life insurance? What could be the things that I'd need to learn?
Regards, Purpleheaded08
Regards, Purpleheaded08
Posted: Fri Oct 10, 2008 05:56 pm Post Subject:
Medical exam is needed by the insurance company to assess your physical condition before getting a life insurance. But not all policies requires medical insurance. There are some cases that no medical examination is required. It can also vary base on the age of the client.
Posted: Fri Oct 10, 2008 06:02 pm Post Subject:
What Themb listed is what my hubby and I both went through. Hated the blood tests..yuck needles...
Posted: Thu Oct 23, 2008 09:01 pm Post Subject:
Many life insurance companies require a medical exam of their applicants in order to qualify for life insurance coverage.
Some insurers make this a routine requirement for all policies over $100,000 in coverage.
Other insurance companies offer no exam life insurance for up to $500,000 in coverage. However, the rates are usually higher than those for fully-underwritten policies requiring a medical exam.
Still other companies offer guaranteed acceptance policies with no exam required, but the benefits are usually graded (limited) for the first 1-2 years.
There are several things considered when you take a medical exam, they may check your heartbeat, your blood pressure, and draw blood for analysis to see if you have any health problems, or diseases. They will also check your blood for HIV/AIDS and high cholesterol.
You can review some helpful tips to help you prepare for your life insurance medical exam by reading this article on life insurance medical exam tips.
Good luck to you.
Posted: Thu Oct 23, 2008 11:48 pm Post Subject:
It really is a pretty simple process and if it is needed to get your life insurance I would just go ahead and get it.
Posted: Thu Jun 18, 2009 09:30 pm Post Subject: urinalysis
Do routine Life insurance medical exams include drug screens ?
Posted: Thu Jun 18, 2009 10:18 pm Post Subject:
Do routine Life insurance medical exams include drug screens ?
Yes, and the application itself will specifically ask you about drug use too.
Posted: Fri Jun 19, 2009 12:36 am Post Subject:
Do routine Life insurance medical exams include drug screens ?
This question is a good example of why it is so important to find a quality agent. Some companies care about certain drugs that other companies don't care about.
Posted: Fri Jun 19, 2009 04:05 am Post Subject:
Yes, and the application itself will specifically ask you about drug use too.
What if I lie in the application form?
This question is a good example of why it is so important to find a quality agent. Some companies care about certain drugs that other companies don't care about.
How can agent help me if I'm addicted to drug?
Posted: Fri Jun 19, 2009 11:33 am Post Subject:
If you lie on the application form and get caught, there is a good chance that your application will get denied even if they would have approved you if you were honest.
If you lie and don't get caught and then die within 2 years, there is a good chance that the insurance company will find out and deny the death claim. After 2 years, you'll be fine.
A good agent can help you because all companies look at things differently. It's about matching you with the right company.
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