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What to Expect From a Life Insurance Medical Exam

life insurance - doctor going over risks

The purpose of a life insurance plan is to provide your family with a safeguard against an uncertain future, but many people worry that the evaluation process for new policies might be too stringent and involved for them to qualify. While many factors help a provider decide whether to take on your case, one of the most influential elements is your medical standing. Let’s explore one of the industry’s greatest evaluation tools: the life insurance medical exam.

Speak to a AAA insurance agent to learn more about your life insurance options.

The Life Insurance Medical Exam

Once a life insurance company reviews your medical history, your assigned representative may decide to pursue a thorough medical examination before coming to a conclusion on your eligibility and, ultimately, deciding on your premium rate. Because it is requested by the provider, the exam is performed cost-free by a qualified medical professional. Depending on your provider and their associated examiner, this process could take place at a designated office location or even in the comfort of your own home.

The exam itself involves a fair balance of reviewing previously submitted information, such as your medical history, and a standard physical evaluation. After your vitals are taken, you’ll be asked to provide a urine sample and undergo some basic blood work to check your cholesterol, glucose and other routine health measurements. Ordinarily, the entire exam can be completed in just 30 minutes or so, but will involve additional testing for older applicants. Pending your test results and in-depth review by the provider’s representative over the subsequent few months, the insurance company will decide if it is willing to accept your application and provide the requested coverage.

life insurance medical exam

Managing Expectations

Now that you have a basic understanding of how the life insurance medical exam works, you’re probably wondering what elements of your health the insurance companies are most interested in. In addition to your full medical history (including any chronic medical conditions and medications), expect many of the questions to focus on your lifestyle choices, such as smoking, drinking and exercise. The examiner will use these details to extrapolate a larger view of the risk you pose to the provider.

Because your medical exam is such a significant part of your life insurance application, it’s essential that you take any steps you can to provide the truest results possible.

Here are a few tips to consider as you prepare for your exam:

  • Avoid caffeine: Coffee and other caffeinated beverages can affect your heart rate, anxiety level and blood pressure. So it’s best to skip that morning cup of joe.
  • Don’t exercise: You might be tempted to schedule a workout the morning of your exam to convey your fitness level, but this can actually negatively skew the results. Skip a day.
  • Drink plenty of water: It’s important to stay hydrated prior to your exam, since this lubricates your body’s systems and provides optimal performance of your organs.
  • Avoid smoking and drinking: Regardless of how often you drink or smoke, indulging in either in the hours prior to your exam will only hurt your results.
  • Fast if necessary: They say you are what you eat, and when it comes to your medical exam, it’s somewhat true, especially since some foods can interfere with your vitals.
  • Get a good night’s sleep: Your body is at its best when you’re rested and therefore less anxious. Schedule your exam in the morning and get to it while you’re feeling fresh.

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The Results

You’ll find out if you’ve been approved for a policy a few weeks after exam. But even if you aren’t accepted by a particular provider, it isn’t the end of the world. You could always request a copy of the exam results to determine the underlying reason behind the denial or verify that no mistakes were made. This may be a wise move if you suspect something went wrong, since these exams remain on your permanent medical record.

At the very least, a deeper dive could inform subsequent attempts to gain coverage elsewhere. If you decide not to pursue a policy at a particular insurance company, there’s no need to repeat the medical exam if you apply elsewhere in the next six months. Your results are just as applicable at other providers and can help facilitate future applications.

Life insurance plans that do not require a medical exam are available, including the Guaranteed Issue Whole Life and Rapid Issue Whole Life policies offered through AAA Life.

Schedule an appointment with a AAA insurance agent to find a life insurance policy that’s right for you.


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