Purpose of the Exam
Life insurance medical exams aim to assess an applicant's current health status and predict future mortality risk. Insurers use this data to set premiums and determine policy eligibility.
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Key Health Metrics Checked
Examiners measure vital signs such as blood pressure, heart rate, and temperature. They also take weight and height to calculate body mass index (BMI), which signals metabolic and cardiovascular risk.
Laboratory Tests
Blood samples reveal cholesterol levels, fasting glucose, and liver or kidney function markers. Elevated cholesterol or diabetes indicators can raise premiums or lead to underwriting exclusions.
Medical History Review
Applicants disclose past illnesses, surgeries, and chronic conditions. Conditions like heart disease, cancer, or severe asthma often require additional documentation or result in higher rates.
Lifestyle and Habits
Questions cover smoking status, alcohol use, and exercise frequency. Smokers typically face steeper premiums, while regular physical activity may offset some risks.
Physical Examination Findings
The exam may include a basic cardiac exam, lung auscultation, and assessment of vision or hearing. Significant abnormalities can prompt a second opinion from a specialist.
Additional Tests for High‑Risk Applicants
Applicants with high blood pressure, elevated cholesterol, or a history of serious illness may undergo electrocardiograms (EKG), stress tests, or imaging studies to clarify risk.
Impact on Policy Terms
Results influence the underwriting decision: favorable findings can lower premiums, while adverse results may lead to higher rates, coverage limits, or policy denial.
Preparation Tips
- Keep medications and lab reports handy.
- Maintain a healthy weight and stable blood pressure.
- Avoid smoking and limit alcohol consumption.
- Inform the examiner of any recent surgeries or hospital stays.