life insurance medical exam blood test
Click the link in the text to verify your identity and access your results. And with the ability to schedule a test at your most convenient time and place, subjecting yourself to the medical exam can be a great way to get the most coverage for the best possible premium. Within 7 to 14 days after your life insurance exam, a text message will be sent to you when your laboratory results are ready. But the best advice I can give is â donât. Thereâs sometimes a tendency to minimize the importance of a life insurance medical exam. In short, the life insurance blood test is part of your insurerâs overall attempt to assess your overall health, so they can charge you the correct rate for your life insurance policy. Additionally, if a medical history interview is required, this will be completed either over the phone or during the time of your exam. These policies are more expensive per month than regular insurance. Life Insurance Medical Exams and Blood Tests. If youâre overwhelmed with the thought of getting this done â there are No Medical Exam term life insurance options available. Speak to a licensed sales agent! They also usually have restrictions like you need to live at least a minimum number of years after buying the policy or your heirs wonât receive a death benefit. The life insurance drug test is similar to drug tests you may have taken for your employer, and are usually administered by testing a small urine sample (some may collect blood for this test as well). Weisbart says that another way to avoid problems with test results is to apply for an insurance policy, such as a guaranteed issue life insurance policy, that does not require a medical test at all. To test for these issues, a typical life insurance medical exam may include a blood and urine sample, your height and weight, blood pressure, and pulse rate. What a Life Insurance Medical Exam Entails. (800) 521-7873 Give us a call if you have any questions about your life insurance needs, the medical exam or what rates are available to you. Your results will be available online for one year. The life insurance blood test and exam should only take you about 20 minutes to complete. Some life insurance policies âparticularly ones with a high-value death benefit â may require you to take a medical exam or submit a blood test in order to be approved. Insurers set their term life insurance rates based on the results of the medical exam. At the time of completing your exam, please provide your mobile phone number to the examiner. There are also life insurance policies that donât require any sort of medical exam, including blood tests. Read on to learn more about medical exams and life insurance. The exam may also include the collection of blood, urine, oral fluid, and an EKG and/or X-ray, depending on the insurerâs underwriting guidelines for your age and insurance amount. 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