What does a typical life insurance medical exam look like?

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Asked April 21, 2015

1 Answer


One of the final steps in the life insurance application process is to undergo a medical examination. This exam includes a physical examination; a blood test, stress tests, as well as a complete set of questions that help determine your current health and expected life span. The specifics of the exam may vary from one insurer to another, but all life insurance medical exams will include the same basic types of tests.

The blood test is used to test for potential health problems, smoking, drug and alcohol use, and other things. The blood that is drawn from you during this portion of the exam will be used for a barrage of tests that will help the insurance company determine your current risk assessment. Insurance companies need to know as much as possible about any medications you are taking, whether legal or not, and most companies will adjust your premiums according to the results of the test. For example, if you test positive for marijuana use you may be denied coverage or charged higher rates, more because of the risks associated with purchasing and using an illegal substance than with dangers from the drug itself.

The stress test, typically referred to as a treadmill test, is used to calculate your current health, primarily where the heart and lungs are concerned. The important thing to remember during a stress test is to stay calm and simply do the best you can to meet the directions of the medical provider. No one expects a 60 year old man to win a cross-country race, so there is no need for you to prove that you could do it.

One of the most important aspects of the medical exam is the questionnaire that you fill out when first sign in. This data will provide the insurance company with some insight into your personal and family medical history, and includes questions about pre-existing conditions, drug use, STD's, and your immediate blood relatives. It is not a good idea to lie on the application because if the truth is revealed by the examination or your previous medical records, you could lose your coverage or even be charged with trying to defraud an insurance company.

Answered April 21, 2015 by Anonymous

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