LIFE INSURANCE MEDICAL EXAMS

                          

 

 

 

If YOU ARE CURRENTLY SHOPPING FOR LIFE INSURANCE, YOU WILL PROBABLY BE SUBJECTED TO THE FOLLOWING TYPES OF TESTS:

WHEN YOU APPLY FOR LIFE INSURANCE YOU WILL MOST LIKELY BE ASKED TO HAVE A MEDICAL EXAMINATION, DEPENDING ON YOUR AGE AND THE AMOUNT OF LIFE INSURANCE YOU WANT TO SECURE.  ANYWHERE FROM A BASIC MEDICAL EXAMINATION, URINE SPECIMEN, BLOOD WORK, EKG, TO STANDARD X-RAYS COULD BE ASKED FROM YOU.

IF YOU ARE UNDER THE AGE OF 40 YOU GENERALLY WILL NOT BE ASKED TO COMPLETE THE MEDICAL EXAMS IF YOU ARE PURCHASING 100,000 OF LIFE INSURANCE OR LESS.  THE OLDER YOU ARE, THE LESS LIFE INSURANCE YOU CAN BUY WITHOUT TAKING THE MEDICAL EXAMINATIONS.

DON'T TRY AND FUDGE YOUR MEDICAL HISTORY.  THE MEDICAL INFORMATION BUREAU IS A CLEARINGHOUSE OF MEDICAL INFORMATION THAT INSURERS READILY HAVE AVAILABLE TO THEM.