The medical test specifically designed for life insurance works to resolve give a comprehensive view of the proposed insured’s health, as well risk factors. The examiner will determine the individual blood pressure, height and weight, and pulse rate. The blood test is essential to measure the glucose levels and give the insurer significant details to make an informed decision with regards to the candidate.
If the candidate has good health without high risk factors and the medical history of the immediate family is good, they proposed insured will be eligible for favourable rates. By taking the medical exam, the insured company can better determine your risk level and your life expectancy. There are 7 categories insured can be classified into: Substandard, Standard Smoker, Standard, Standard Plus, Preferred Smoker, Preferred, and Preferred Plus. The heavy drinkers and smokers will have higher rates, where as the candidates that workout and have good health will have lower rates. There are some occasions where athletes and risk takers like skydivers ore rock climbers may also qualify for higher insurance rates due to the higher risk of death.
The medical exam is important to ensure you qualify for life insurance, as well as that you are classified in the correct category. There are a few things you can do to prepare for the exam. The first is to drink water to improves the blood flow as well as increases the energy levels. Additionally, if you can avoid sugar, alcohol, and reduces sodium and caffeine intake you may get better test results. Anyone with questions about the Life Insurance medical exam should visit HealthIQ.com to get further information. Get ready for the medical test and make sure you are prepared by taking the interactive quiz as well!