What Happens During a Life Insurance Exam
A life insurance exam, also known as a medical underwriting interview, typically lasts 15 to 30 minutes and focuses on your health history and current physical condition. The examiner will ask about past illnesses, surgeries, medications, and lifestyle habits such as smoking or alcohol use. They will then perform a quick physical assessment, checking blood pressure, heart rate, and possibly taking a pulse oximetry reading.
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Medical History Review
The interviewer will review your personal and family medical history. Questions cover conditions like heart disease, diabetes, cancer, and high blood pressure. Accurate answers help underwriters assign a risk rating and determine your premium.
Physical Assessment
Physical checks include:
- Blood pressure measurement
- Heart rate and rhythm assessment
- Weight and height recording for BMI calculation
- Oxygen saturation via pulse oximeter (optional)
Lab Tests and Additional Exams
In some cases, the insurer may request blood or urine samples, a vision test, or a chest X‑ray. These tests are usually performed on site or at a nearby lab, and the results are sent directly to the underwriter.
Preparation Tips
Gather your medical records, list of current medications, and recent lab results before the appointment. Wear loose clothing for easy access to your chest and arms. If you are a smoker, be prepared to discuss your smoking history and any cessation attempts.
What Your Score Means
Underwriters use your exam results to assign a rating that affects your premium. A higher risk rating leads to higher premiums or, in rare cases, denial of coverage. Knowing the factors that influence the rating helps you understand potential cost variations.
After the Exam
Once the exam is complete, the insurer reviews the data and finalizes your policy terms. You will receive a quote and can choose the coverage amount and policy type that best fits your needs.