In a life insurance medical exam the things they test for include your height, weight, blood pressure, pulse rate, cholesterol levels, blood sugar levels, nicotine use, heart disease and other potential diseases.
The blood and urine samples are done for a life insurance medical exam to test for your blood sugar, nicotine use, cholesterol levels and other diseases.
An EKG test will also be done during a life insurance medical exam to test your heart and you also may be asked to fill out a questionnaire about your health history and lifestyle habits as well as any current prescriptions you take.
Having conditions like diabetes and kidney disease and heart disease can make it more difficult to get life insurance.
For most life insurance policies you do have to see a doctor to get life insurance.
However some life insurance policies don't require a doctors visit or medical exam to get the life insurance but it depends on the life insurance company and policy.
Group life insurance through your employer is a type of life insurance that doesn't require a doctors visit or medical exam, although the life insurance coverage will be often limited.
When you apply for most types of life insurance, you'll be required to provide information about your medical history, gender, height, weight and age.
The medical exam for a life insurance policy will often include.
Checking your blood pressure, heart rate, weight and height.
Taking blood and or urine samples.
And performing an electrocardiogram or EKG or a treadmill test if you're an older person.
Failing the medical exam can cause you to be denied for life insurance as you are considered high risk if you're not in good health.
Having current health conditions such as obesity, diabetes heart disease, liver disease, kidney disease or other diseases can cause you to be denied for health insurance.
Your cost of life insurance premiums also vary based on your health, gender, age and the type of life insurance policy you get.
If you're employed you may be able to get workers group life insurance plans at little to no cost to you and often no medical exam is required to sign up for those policies.
Although the coverage under workers group life insurance is often basic and may not always be enough to care for a spouse or children in the long term in the even you were to die.