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How To Pass Life Insurance Medical Exam

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What Is The Medical Exam

How to Pass Life Insurance Medical Exam

The medical exam is essentially a health physical and is a standard part of the life insurance application process. It not only confirms the details you provided to the life insurance company when you first applied but also uncovers new information that could affect your premium.

The insurer covers the costs of the medical exam, though if you ask to take the medical exam asecond time to receive a lower premium rate, some insurance companies wonât pay for it. However, many insurance companies cover reconsideration costs.

What Is On The Life Insurance Exam

While the life insurance exam is state-specific, there is a lot of content that is tested in all fifty states. The life insurance license exam is often divided into a general life insurance section and a state-specific section. You can structure your studying to cover all of the topics included in your states content outline. Many states cover these items.

What To Do If Youre Denied Coverage

If youre denied life insurance based on the results of your medical exam, the first thing to do is determine the reason. You should ask the insurer and make sure to request a copy of your test results from the company that performed the analysis. In the case that something looks wrong, request a second exam from the insurer.

For example, if your life insurance exam results show high blood pressure but your annual physical results have always been well inside the normal range, something may have just been off that day.

In the case the exam results were accurate, the medical issue will determine the appropriate next steps. As a simple rule of thumb, there are three primary paths to getting coverage through a different insurer:

Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

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You Want The Lowest Rates In The Market

Since life insurance is all about risk, the lowest rates will go to the most information. ;With accurate details from the paramed exam, you can shop for the lowest rates. ;These policies usually take longer to approve than no-exam policies, however if price is more important to you than convenience you will usually need to take an exam.

You need a higher policy amount

Higher policy amounts will come with an exam requirement, and this varies greatly by age and company. ;We know of some companies who will write up to $1,000,000 in life insurance without a paramed, and other companies that require the exam for anything over $100,000.

Generally speaking, younger applicants can apply for higher policy amounts without an exam, and most no-exam options exclude applicants over 60. However, anyone looking for more than $500,000 in life insurance is probably taking a paramedical exam.

You have an existing health condition

Almost half of all adults in the United States are suffering from one or more chronic disease. ;Cancer, heart disease, diabetes, obesity, arthritis and their complications affect almost 200 million Americans.

Chances are you may be in this group, and life insurance with most chronic health conditions is going to require a paramedical exam.

Is worthwhile to note: more and more life insurance companies are able to get a clear picture of your health without an exam. Speak to your life insurance advisor about the best no medical exam life insuranceoptions available to you.

Avoid Stressful Situations A Few Days Before Your Exam

How to Pass a Life Insurance Medical Exam

Though its never possible to completely avoid stressful situations or even to know when theyll crop up you should do everything possible to avoid known stressful situations in the days leading up your exam.

Stress not only elevates blood pressure, but it can also affect your digestive system. You want to make sure that you are as calm;as possible on the day of the exam. If need be, take a relaxing walk in the woods, or listen to peaceful music. And while youre doing that, put any thoughts of anything meaningful out of your head.

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Take The Exam As Soon As You Can

Fact 1: Youll never be younger than you are today. Fact 2: Generally speaking, a younger person will pay a lower premium for a life insurance policy than an older person. Which brings us to, lucky fact 3: For most people, the sooner you get a life insurance policy, the lower the premium youll pay every month.

But to get that proverbial ball rolling, youll need to take that life insurance exam at your soonest convenience. Chances are, youll also be a little healthier than you will be a year from now.

All of which is to say, taking your exam ASAP isnt just a way to GSD it could also save you a little money.

What Happens After The Medical Exam

Feeling worried about the outcome of your medical exam? Try not to think about it from a traditional doctor/patient perspective. Life insurance companies make assessments based on risk, so something you might think is alarming or not a problem at all might be viewed radically differently by the life insurance company.

If the insurer sees a drastically abnormal reading, they might request a follow-up appointment. For example, if you have protein in your urine, they might request two separate follow-ups on different days to get an accurate read. If you have an abnormally high blood pressure reading, you might be able to retake the exam if you can demonstrate that your medical records show that itâs an anomaly.

Otherwise, the technician will submit your information to the insurance company to complete the underwriting process. Usually, youâll hear back with your actual quote in a few weeksâ time. The process can take anywhere from five to six weeks.

You can request a copy of your medical results from the insurance company and use the records to apply for a policy with other insurers, or even other types of insurance policies, such asdisability insurance, for up to six months. Like a usual trip to your doctor, your life insurance medical exam becomes a part of your record and can be factored into life insurance quotes you receive in the future.

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Get Prepared With Your Answers And Paperwork

The life insurance medical exam is usually performed by a qualified medical professional in your home or office, at the expense of the insurance company, and typically takes about 30 minutes.

Be prepared to supply the examiner with your photo ID, and a list of all former and current physicians you have visited, as well as their addresses and phone numbers.;

Youll be questioned about your present state of health, including any current therapies, prescription medications, and supplements you are using.;

Expect to also be questioned whether you drink, smoke, use recreational drugs, or engage in dangerous hobbies like mountain climbing or skydiving.

Better Health Stats Make A Big Difference

Health Insurance : How to Pass the Life & Health Insurance Exam

If you are obese or use tobacco, alcohol or drugs, you can kiss preferred plus goodbye. At the same time, something as subtle as a slight elevation in blood pressure can increase your quote by 20 percent, Gordon says. Conversely, making seemingly small changes to improve your health could help you save thousands of dollars over the life of your insurance policy.

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How To Pass Life Insurance Medical Exam

The younger you apply for coverage, the lower your premiums will be.

If youre not happy with the rates the life insurance company offers you following your life insurance health exam, thats fine.; Your medical exam results are considered valid for 6 to 12 months , which means that if youre using an independent insurance agent, you will be able to use your medical exam to apply with other companies as well.

No Alcohol For A Week Before The Exam

The last thing that you want to do is undergo a medical exam of any sort with elevated alcohol levels in your blood. If you do, this will be in your permanent medical records where it can indicate a problem with alcoholism. You could avoid that by not consuming any alcohol for at least 24 hours before your exam.

But its also important to consider that alcohol increases your weight, which is another situation that you want to avoid going into an exam. Cutting out alcohol for a whole week;before the exam should help to stabilize your weight at minimal levels.

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Drink Plenty Of Water

Paramed organizations offer advice on how to prepare for a life insurance health exam and one suggestion is to drink plenty of water at least one week prior to your life insurance medical examination.; Drinking plenty of water will boost hydration and help to remove toxins from your body, along with making blood draws easier.

Group Term Life Insurance

How to Pass a Life Insurance Exam (with Pictures)

Group life insurance is a type of life insurance policy that is offered by employers and doesnât require a medical exam â or even an initial interview.

The downside of group life insurance is that it usually doesnât offer enough coverage and often needs to be supplemented with a traditional life insurance policy. And, if you leave your job, the coverage wonât go with you.

However, some life insurance is better than none, and if you need to skip the medical exam, a policy guaranteed by your employer can at least offer some financial security for you and your loved ones.

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If You Die Before The Medical Exam Results Are In

This is determined on a case by case basis, but as a general rule if you would have been accepted and the policy term starts at the time of application, then there is a good chance the beneficiary would receive the payment. However, if you would have been declined due to any reason, then the policy would not have been considered issued and so your beneficiary would not be paid.

If there is a clause in place like the suicide provision, for example, or any clause that excludes coverage for the cause of death, then the policy would not pay. This is one of the;topics to discuss with your life insurance representative. You’ll want to be sure you understand the specific terms of the policy you have applied for. Every life insurance company has their own terms and conditions, as well as policy effective date.

What Are Insurers Looking For In Your Blood And Urine Tests

Blood and urine samples can give underwriters an idea of your risk for different medical conditions or lifestyle habits that may shorten your life expectancy.

Medical Conditions & Risks that Life Insurance Medical Exams Can Detect

  • Diabetes
  • Heart disease
  • HIV and AIDS as well as other sexually transmitted disease
  • Kidney disease
  • Tobacco, alcohol and illicit drug use

You will be asked lifestyle questions sexual activity and drug, alcohol and tobacco use in the questionnaire segment of the exam. Its important to answer these questions truthfully. If the blood and urine tests show chemical results that contradict your answers, you may be denied coverage.

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Why Are Blood Tests Required

The blood test aids in assessing your overall risk to the insurance company.

Additionally, the blood test has the following uses:

  • It confirms the validity of the answers on your application.
  • It could reveal prescriptions you neglected to mention.
  • It could reveal the use of any illicit drug use.
  • It could reveal undisclosed tobacco or .
  • Is The Insurance License Exam Hard

    How to Pass the Life & Health Insurance License Exam!–TESTivity Video Course Sample.

    The answer to this question will obviously vary from person-to-person and state-to-state.

    We know lots of folks who have passed the exams on their first shot, and we also know plenty who have taken each test several times.; We dont say this to frighten you, rather prepare you.

    There is no national average of pass-fail stats, but based on the states who publish results, the average number that we see is 55% of participants pass the exams on their first attempt. The pass rate is slightly higher for retake attempts.

    What this tells us is that people tend to go into the test blind and wing it, hoping for the best results. If they fail, they hit the books a little harder, then come back and fair a little better.

    Testing is a mind game, and you need to control the factors that you can to yield the best results.

    Whether or not we like it, tests like these are sometimes more a measure of your ability to test well, rather than how well you know the material. This may not seem fair, but it is the truth, and we have to play by the rules that are set in front of us.

    Be sure to read on, as we will give you our best ways to make sure that your ability to test is as effective as you can make it.


    For pre-license education products and courses, StateRequirement recommends:Kaplan Education Company

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    How To Pass The Insurance Exam

    : Ethan Peyton

    If youre getting ready to take a state insurance exam or any exam for that matter, its good to know what youre getting yourself into.

    Here at StateRequirement, we want you to be able to walk into the testing center with confidence that you will leave being one step closer to getting your insurance license.

    In this article, you will learn everything that you will need to know to face your exams without fear.

    Weve scoured through tons of resources to find the information you need to be prepared .

    So sit back and keep your reading glasses handy. Were sure to get in the weeds with this guide. Go ahead and bookmark this page so you can easily find it the next time you need it.

    Before beginning, know that the best tool to use when studying for an insurance exam is a pre-license education course from a reputable insurance education company.


    For pre-license education products and courses, StateRequirement recommends:Kaplan Education Company

    What Is A Life Insurance Medical Exam

    You might think that the medical exam sounds like an awful physical test.

    The insurer wants a full view of your health, so theyll send a questionnaire to your GP . Theyll be asked to fill in information on a bunch of stuff, including:

    • Your family history and any history of illness.
    • Personal details the usual stuff: date of birth, gender, etc. etc.
    • Your medical history so have you had or do you have any conditions or issues that might raise the risk of your claiming on your Life Insurance policy?
    • General appearance. Does your GP have;any reason to suspect that youre not well based on looking unwell, i.e. if youve said that you drink or do drugs, have you possibly understate how much?
    • Measurements height, weight, that kind of thing.
    • Respiratory system.
    • Nervous system.
    • Urinary system.

    As you can see, its comprehensive, and some of those words are scary especially the last four which are pretty important to keeping you up and running.

    At your medical, your GP will get info on all of that, but it doesnt involve nearly as much prodding and poking as you might think.

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    Is A Medical Exam Always Required

    You should know that not all life insurance policies require a medical exam. There are options for those who do not wish to undergo a physical. In these cases, the coverage is usually issued based on answers to health questions on the application.

    Carefully read the terms of a life insurance policy to ensure it meets your needs. There are many life insurance policies available where there is no requirement for a physical that provide comprehensive coverage and ensure your loved ones will not be left with financial burdens after you pass.

    How Marcan Insurance Can Help

    About Chris Abrams

    Marcan Insurance Mission: To help marijuana users get approved for the best insurance policy at the lowest cost. We have over 10 years experience and know life insurance underwriting and products inside and out. Read our client reviews. Life insurance rates are set by the insurance companies and you will not find a lower rate anywhere else for the same product. ;Contact us for confidential help today and finally take life insurance off your to-do list.

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    How Do I Register For The Life Insurance Exam

    You will generally have 90 days to take your exam after completing your pre-licensing education. As with all the steps to get your life insurance license, you should verify the deadlines with your states guide.

    You can register for any available exam date up to 24 hours before the test. Test dates are limited by availability, so it is a good idea to register as far in advance as you can to make sure your desired testing date is available. If you do not test within 90 days of your course, you may need to complete it again.

    To complete your test registration, you will need to have:

    • Full legal name
    • Name of your exam
    • Requested date of exam and testing location
    • National Producer Number , which is provided in an email confirmation that you will receive when you begin your application

    What Comes After The Life Insurance Medical Exam

    Your insurer will most likely take a few weeks to process your life insurance medical exam results. Theyre not looking for every tiny thing that could be abnormal. Instead, theyre really screening for the major indicators of shorter life expectancy.

    Theres a chance your insurer might request a follow-up exam if any of your lab tests come back with unexpected results. Dont worry. Both you and your insurer want the same thing: for you to get life insurance . Keep following the steps of the process to move toward the point where your insurer will issue your policy. Usually, the entire underwriting process, even with repeat medical exams, shouldnt take more than a couple of months.

    If you do end up getting denied coverage for a health-related reason, dont forget that you can explore no-exam medical insurance and get coverage this way.

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