قالب وردپرس درنا توس
Home / Insurance / Preparing for a life insurance medical exam

Preparing for a life insurance medical exam



Buying a term life insurance policy online is a convenient and affordable way to get insurance coverage. Before you apply, it's helpful to understand how the underwriting process works. One step you may need to complete before getting a final decision on coverage eligibility is a health exam.

Although you may have heard that some people can get affordable term life insurance online with no medical exam, not everyone will qualify. For the Haven Term policy issued by MassMutual, some applicants may qualify for the medical exam based on their application information. (Note: It's very important to be honest when completing the application. The issue of the policy or payment of benefits may depend on the answers given in the application and their truthfulness.) Some applicants are asked to undergo a paramedical exam to determine their most. accurate rate. The exam isn't a bad thing, however; It just helps your insurer determine your life insurance rates.

Having a guide to your term life insurance medical exam can help you make sense of why it is important and what to expect

What a life insurance health exam is used for

The paramedical examination serves a simple purpose. It allows the underwriter to assess your overall health and life expectancy. That gives them an idea of ​​how much risk they may be taking on cover

That's important because it affects what you pay for your term life insurance policy. Life insurance premiums are included in rate classes, which are based on risk. The healthier you are and the lower risk you present to the insurance company, the less likely you will pay for life insurance

What to expect during the exam

The health exam might seem intimidating but it's actually a pretty straightforward process. With the Haven Term policy, the exam itself takes about 20 to 30 minutes and the paramedical examiner who's conducting the exam can meet you at your home, your work or the exam office.

Pro tip: If you're feeling nervous about the exam, schedule it to take place Wherever you are most comfortable

To start things off, the paramedical examiner might ask you some questions about your family's medical history. You will also be asked about any medications or supplements you are currently taking, whether you smoke, drink or use drugs, what type of job you have and the type of hobbies you engage in.

Once that's out of the way , the paramedic will:

  • Check your pulse
  • Measure your height and weight
  • Collect a blood and urine sample

Depending on the insurer's requirements, you may also be asked to complete an electrocardiogram or ECG. And in case you're wondering, paramedical examiners are certified medical professionals trained in drawing blood and taking specimens.