For many, getting a medical exam for a life insurance policy can be stressful and anxiety-inducing, but the exam doesn’t have to be scary. The professionals at AS Insurance Agency serving Manchester, NH can help you navigate this process with ease.
Underwriters require medical exams to determine the potential policy holders’ health. The healthier you are, the lower your premiums are likely to be.
During a medical exam to get life insurance, you will be asked to undergo at least two components of the exam, a verbal interview/evaluation and a physical exam. During the verbal evaluation, you’ll be asked a series of questions such as your medical history, your family medical history and details about your lifestyle.
The underwriter will want to know if you smoke, drink alcohol, use any recreational drugs, take any prescribed or over-the-counter medications regularly or if you engage in any activities that might make you more likely to have a shorter life expectancy. You’ll be asked if you have any underlying medical problems or pre-existing conditions such as diabetes, high blood pressure, high cholesterol or other chronic illnesses. You’ll also be asked to take a physical exam so that a physician can listen to your heartbeat and see for themselves if you have any noticeable ailments. You will also be asked to undergo bloodwork testing which will look for things like your cholesterol levels, blood sugar and bloodwork can also confirm that you are a non-smoker.
Before your exam, get plenty of rest, make sure you are hydrated and if you are a smoker, seriously consider quitting in order to make your odds of being insurable higher and your rates better!
Get in touch with AS Insurance Agency serving Manchester, NH to learn more about your life insurance options today.