Insurance Center

You have decided to purchase life insurance and you may be required to undergo a medical exam. The primary reason life insurance companies need to administer medical exams is to judge how much premium to charge a potential policyholder. If the company determines you are likely to die at an early age, they will want to collect more premiums early in your life, but if they feel you will live longer they would not need to collect as much from you in the early part of your life because you will be around longer to make the life insurance premium payments.

Your medical exam and history is a factor in determining how much risk you are for the life insurance company. Usually your medical exam can be done in the privacy of your home or office unless the insurance company will require additional tests then you may be referred to a clinic to complete your medical exam.

Procedures you can routinely expect to be performed during your life insurance medical exam would be:

1. Measurement of your weight and height

2. Measurement of your blood pressure and pulse

3. Blood work (to check things such as cholesterol, glucose, protein, and HIV)

4. Urinalysis (to check things such as protein, glucose, creatinine and cocaine)