Getting a term life insurance policy can be one of the best and easiest ways to protect your family’s future. For some, getting covered might involve a medical exam. But, no need to be nervous. Medical exams are typically a straightforward process. And, with Ethos, many applicants are approved for a policy without needing one.
Some life insurance companies may need to get a holistic look at your health in order to get you the best coverage. These exams typically involve blood and urine tests to determine if you have any existing medical conditions, a history of smoking, etc. These factors can determine the rate of your policy and whether you are eligible in the first place.
At least one week before the exam:
One day before the exam:
On the day of the exam:
If you’re not feeling your best, it’s okay to reschedule your appointment. You can always reach out to our team at (415) 941-3556 to do so.
A life insurance medical exam will usually start with the examiner asking basic questions about your medical history, the medical history of your family, and your general lifestyle.
Then, you can expect the examiner to take your height and weight measurements followed by pulse and blood pressure tests. Next, they’ll take a urine and blood sample. Make sure to let your examiner know if you aren’t comfortable with needles, or have any other concerns.
Hopefully, this guide can be a useful resource when applying for life insurance or expecting to have a medical exam after applying. Term life insurance is a great way to keep your family protected, and for some, the medical exam is a necessary part of that process. The results of your medical exam can be accessed and utilized for up to a year.
If you need to get a medical exam, it doesn't have to be scary. Getting a snapshot of your health is also an important part of your overall wellness. It will also ensure that you are getting the most competitive rate on your premium.