life insurance medical exam blood test

A paramedical exam blood test is the fastest and easiest way for your insurer to assess your health risks. Speak to a licensed sales agent! 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. Your results will be available online for one year. Insurers set their term life insurance rates based on the results of the medical exam. Click the link in the text to verify your identity and access your results. Additionally, if a medical history interview is required, this will be completed either over the phone or during the time of your exam. (800) 521-7873 What a Life Insurance Medical Exam Entails. 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. But the best advice I can give is – don’t. The exam may also include the collection of blood, urine, oral fluid, and an EKG and/or X-ray, depending on the insurer’s underwriting guidelines for your age and insurance amount. If you’re overwhelmed with the thought of getting this done – there are No Medical Exam term life insurance options available. It can take just 15 to 45 minutes, depending on what tests … Some life insurance policies —particularly ones with a high-value death benefit — may require you to take a medical exam or submit a blood test in order to be approved. The life insurance blood test and exam should only take you about 20 minutes to complete. In a life insurance medical exam, the insurer requests blood and urine test to get a detailed health profile and to determine your drug use. There are also life insurance policies that don’t require any sort of medical exam, including blood tests. 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). These policies are more expensive per month than regular insurance. Give us a call if you have any questions about your life insurance needs, the medical exam or what rates are available to you. A life insurance medical exam doesn’t require you to give up an entire day. Read on to learn more about medical exams and life insurance. Within 7 to 14 days after your life insurance exam, a text message will be sent to you when your laboratory results are ready. Life Insurance Medical Exams and Blood Tests. There’s sometimes a tendency to minimize the importance of a life insurance medical exam. They also usually have restrictions like you need to live at least a minimum number of years after buying the policy or your heirs won’t receive a death benefit. 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