What to Expect on the Life Insurance Medical Exam

Purpose of the Life Insurance Medical Exam

When a person is looking for affordable life insurance, a life insurance medical exam is often a prerequisite. Many insurance companies require a life insurance medical exam for all or some of their applicants. The purpose of the exam is to assess the risk of insuring a person and to determine whether there are any health conditions that could negatively affect an applicant's life expectancy. It's important to know what life insurance companies are looking for with a life insurance medical exam. During your life insurance medical exam, a medical technician will verify your medical history, height, weight, blood pressure, pulse, and collect urine and run a life insurance blood test.


Apple representing health
Good Health
No drinking alcohol
No negative lifestyle
Can get you better rates
Favourable life insurance premiums

For many applicants, the life insurance medical exam should not pose any problems. Moreover, the results of the medical exam can assist an applicant in securing affordable life insurance. If an applicant proves to be in good health and demonstrates no negative lifestyle issues, such as heavy drinking or smoking, an insurance company will be more likely to rate the applicant in its preferred status and offer more favorable life insurance premiums.


Bad health habits
No Good Health
Excessive alcohol consumption
Negative lifestyle
Denied Coverage or higher rates
Denied Coverage Denied Low Cost Life insurance

The downside to the medical exam is that it can identify underlying health problems that could result in an applicant being denied coverage or placed in a less than preferred status. This will often be a major reason for a person being unable to obtain low cost life insurance. If an applicant for online life insurance actually has health problems that could affect life expectancy, there is nothing to be done if the medical exam concludes that these conditions exist. However, a life insurance medical exam may actually report a "false positive" result, or something that appears to be serious but is actually an indication of something more benign. To help avoid such a result, there are several important elements to consider when preparing for a life insurance medical exam.