I have to get a medical done for Life Insurance. What can I expect?
My husband had his medical done last week and he had to strip down to his underwear. The doctor took his measurements & weighed him, but being a woman I would like to know what is / isn’t the doctor suppose to do when they carry out the medical. Thanks!
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September 9th, 2010 at 9:56 pm
they may do all that and ask you what desieas you know you have and a little family history is probably all
September 9th, 2010 at 10:32 pm
she will grope your glutinous maximus, poke around your unmentionable bits and massage your breasts, weigh you and ask you questions about how much cannabis and tobacco you smoke and how much alcohol you drink
September 9th, 2010 at 10:41 pm
They will take up your measurements and weight you.
They will take your urine sample for analysis.
They will ask you question about health background for you and your family.
You won’t necessarily been ask to strip down to your underwear, when I had my medical exam two years ago I stayed fully clothed. Should a man required to remove your clothes ask for a female doctor.
They will take a saliva sample to check if you are a smoker, so don’t lie because this test is very accurate and you won’t be able to claim your insurance if needed in the future.
September 9th, 2010 at 11:26 pm
I think your exam will be just like your husband’s was.
It is very unlikely that they will do a pap smear or female check-up.
September 9th, 2010 at 11:33 pm
These are basic examinations, almost identical the when you sign up with a new doctor say after you change address.
They’ll weigh you, measure your height, possibly a body fat measurement, look in your ears, eyes, through your hair, check your refelxes. You may need to do a blood sugar test (unlikely) and / or a urine analysis(more likely as it’s none intrusive) and ask you the standard questions regarding how much you exercise, smoke, drink, do you have any allergies, joint pains, etc.
Then they’ll tell you not to drink, or smoke and only eat vegetables
and exercise more than an olympic athlete.
Hope that helps.
September 10th, 2010 at 12:19 am
I am a male and just has a similar medical test done. The nurse takes your blood pressure, blood sample for analysis, EKG, urine sample and medical history. The doctor listens to your heart and lungs and asks a couple medical questions. I really can’t answer the last part of your question.
September 10th, 2010 at 1:11 am
Heline, here is a complete overview of some things to expect with your medical exam:
Once you have decided to purchase your life insurance, the insurance company may require you to take a medical exam.
The medical exam is paid for by the insurance company.
Why do they make you take a medical exam?
The main reason is to determine how much premium to charge you for your policy. And, decide if you are healthy enough for them to insure you.
If the insurer decides you are likely to die at an early age, they will want to receive more premium for your policy. If they believe you will live longer, they will charge you less premium, because you will be around longer to continue paying your premiums.
Life insurance companies use two sources of information to help them accurately judge how long they expect you to live. They use Longevity Charts and your Medical Exam, medical history and your family’s medical history.
Longevity charts are statistics that show the mortality rates, or death rates of a group of people. These rates can be based on age, gender, race, country, occupation, or any number of other factors. These rates help the insurance company decide what risk they are taking by choosing to offer you a life insurance policy.
For example, if the longevity chart shows that a woman age 25 lives longer on average than a man age 25, the insurer would be taking a higher risk insuring the man. That’s why life insurance for children is so affordable. The risk of a child dying is much lower than for an adult. So the life insurance company doesn’t have to charge as much premium to insure a child for life insurance.
Your medical exam and medical history of you and your family (parents) is another factor in deciding how much risk you are for a life insurance company to insure you. Most exams are completed in your home or office. If the insurer requires additional tests, they may need to be completed at a hospital or clinic.
The Following are Questions that are Commonly Asked
During a Medical Exam for Life Insurance:
Your personal medical history
Your family’s medical history
Name, address and phone number to contact your primary doctor
Your Lifestyle Habits including exercise, diet, smoking, alcohol use, and recreational drug use
How much life insurance you want to purchase
The Following Procedures are Usually Performed
During a Life Insurance Medical Exam:
Measure your height and weight
Test your blood pressure and your pulse
Take blood to perform blood work tests to check cholesterol levels, glucose, protein, diabetes, HIV and other illnesses
Urine tests to check your glucose levels, protein levels, creatine and illegal drugs such as cocaine
After you have taken your medical exam the life insurance company will review the results and decide if you meet their health requirements and what premium to charge you for your life insurance policy. It may take 2-3 months for this information to be received, reviewed and a decision made on your policy.
If you failed the medical exam and are declined coverage, or you think an error was made you can and should ask the insurance company to send you a copy of the medical exam results to you and/or your doctor.
If you failed because of a health-related problem you can ask your doctor about it. Or, if you failed the exam because of a mistake by the insurance company, you and your doctor and review the error and have it corrected as soon as possible. You want any errors corrected so they don’t stay on your medical record, because you may be declined for life insurance by another insurance company because of the error.
Also, you have an option of getting life insurance without a medical exam. You can answer a few health questions and qualify online within 15 minutes at http://www.rbcexpressterm.com/partners/default.asp?p=2041&promotioncode=FOIQA-TL-777 There’s no medical exam and no blood test.
I hope that helps.
September 10th, 2010 at 1:18 am
you will have to strip be weighed measured etc