What New York Life Inspects During a Physical Exam

Why a Physical Matters for New York Life

A physical exam is a standard part of the underwriting process for most life‑insurance policies. New York Life uses the results to assess risk and determine eligibility and premiums.

Core Health Checks

During the exam, the physician typically records:

• Blood pressure and heart rate
• Body mass index (BMI) based on height and weight
• Body temperature and oxygen saturation
• Basic heart and lung auscultation

Medical History Review

The provider reviews your past and current medical conditions, medications, and any recent hospitalizations. New York Life pays special attention to:

• Cardiovascular disease or risk factors
• Diabetes status and control
• Chronic respiratory or kidney conditions
• History of cancer or major surgeries

Laboratory Tests

Blood samples are sent to a lab for routine panels. Common tests include:

• Complete blood count (CBC)
• Blood glucose or hemoglobin A1c for diabetes screening
• Lipid panel to gauge cholesterol levels
• Basic metabolic panel for kidney and liver function

Imaging and Additional Exams

For applicants with specific risk factors, the insurer may request:

• Chest X‑ray to evaluate heart and lung health
• ECG or stress test if heart disease is suspected
• Eye exam for vision and eye disease screening

What to Prepare Before the Exam

Bring a recent list of medications, a record of any chronic conditions, and the results of recent lab work if available. Having accurate information reduces the likelihood of delays or additional inquiries from New York Life.