Life Insurance Medical Exam Info.Here is where you’ll find life insurance medical exam info. to help you feel more at ease with the whole life insurance medical check process. As you know… when you apply for life insurance, you’ll usually have to take medical exams, unless you are looking for a no health exam life insurance policy. So what kind of exams will you be asked to take? It depends! Don’t worry! It’s not as bad as you think! You’re really doing a great thing here by protecting your family. Just remember that. There are different or I should say “more” exams required based on how much life insurance coverage you need or want. In other words, the higher the coverage, the more in depth medical information needed by the life insurance company. Note: This is just a general guideline and will vary depending on your insurance carrier. This information is only to be used to give you a “general idea” on the life insurance medical exam info. process. The amounts, age groups and exams required will vary with all companies. Under $100,000 Ages 18-65 – If coverage is under $100,000 you may not be required to take any exams, however, please note that when you fill out your application you also sign a release which gives your health care provider permission to release your medical records to your insurer. If you don’t have a medical history you might be asked to take exams. Example: An agent sees a client who hasn’t been to the doctor in over 10 years. In this case he doesn’t have current, up to date medical history and the insurance company needs to know this information. So this is why further tests are needed in this particular situation. Ages 66 and up – Paramedical exam and urine From $100-$350,000
From $500,000-$1,000,000 From $1,000,000- $2,000,000 Please note that the information above is just a rough guideline to give you a general idea of what may be asked of you and doesn’t represent any individual company procedure because they all vary. Please speak to your representing agent for more information.
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