A trained examiner checks your height, weight and blood pressure, takes blood and a urine or saliva sample, and asks about your health. It takes about 30 minutes, and the insurer pays for it.
The insurer hires a medical worker to do the exam. You pick the time and the place. Your own doctor cannot do it.
The examiner asks the same health questions you answered on your application. This double checks your answers.
Blood tests look at things like cholesterol, blood sugar, liver and kidney health, HIV, hepatitis, nicotine and drugs. Some people also get an EKG heart test, based on age and the policy amount.
If you are 60 or older, you will likely get a short memory test. Some older people also get a movement test.
You will sign a form that lets the insurer see your medical records. When underwriting is done, you can ask for your results.
- Eat healthy meals for a few days before
- Skip alcohol the night before
- Do not eat for about eight hours before a morning exam
- Skip workouts, lots of caffeine and nicotine right before
- Bring a photo ID and a list of your medicines
More questions
Do I have to pay for the exam?
No. The insurer pays for it.
Can I skip the exam?
Yes, with some policies. Simplified issue asks health questions instead. Guaranteed issue asks none. Both cost more.
Should I tell them about every doctor visit?
Yes. Be honest and list all the doctors and hospitals you have used.
Words to know
- Underwriting
- How a company decides whether to sell you a policy and what to charge. It may include a medical exam and questions about your health, job, and habits.
