Medical exam for life insurance

When applying life insurance policy, you are generally will be asked to take a medical exam.
Generally, if you are under the age 50 years and apply life insurance with low minimal coverage, you are probably will not take a medical exam. Thus, the older you are, the less life insurance you can buy without a medical exam.
This picture also depends on your health record and underwriting guidelines of insurance company you choose.

Type of medical exam may include basic physical, blood pressure, and urine test. Some insurance companies also require an ECG or treadmill ECG (stress test) for life insurance policies.
You may also have to provide your health record, including the name of your visit doctor, date of visit, and the treatment they recommend. Nurse or doctor who is paid by the insurance company will conduct the exam normally.

If you have medical condition, there's nothing you can hide.
Typically, insurance companies have access to some medical information through the bureau of medical information. So, if you try to hide the facts about your health status, there is a chance the insurance company will return your application.
In addition, if the insurance company find such information, they will see it more clear and if you die as a result of your illness, your insurance company may choose not to pay the death benefits to your heirs.

There are several steps you can convince to get the best results in your medical exam:

- Sleep well several hours before the exam.
- Fasting eight hour in advance if possible to produce accurate results.
- Do not smoke at least one hour before the exam.
- Avoid caffeine at least one hour before the exam.
- Avoid alcohol consumption for at least eight hours before the exam.
- Do not do strenuous exercise for 24 hours before the exam.
- Limit consumption of salt and cholesterol at least 24 hours before the exam.
- Cancel the exam if you are sick.

By doing the above steps, you will get a good medical exam results and will certainly make lower your insurance premium.