Life Insurance Physical

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Nobody likes to think about death but, as sad as it is when somebody dies, it is important that they do their best to provide for their family after they are gone and that's what life insurance is for. Because it's a gamble of sorts for the policy provider a life insurance physical is usually required. Here are a few things you should know beforehand.

Insurance companies require policy holders to go through medical exams to help determine what rate they will pay. They know everybody is going to die, but they make more money when they can accurately predict what your chances of dying are while you are covered by one of their policies and the best way to predict this is by making all prospective policyholders undergo a life insurance medical exam. That may sound morbid, but that's their business. In short, insurance companies that offer health coverage like to minimize their chances of paying out on a policy.

So, what should you expect? If you have ever had to have a physical before getting a job, then you have a pretty good idea of what a life insurance medical will be like. You will usually have to go through a medical professional recommended by the insurance company (it helps protect their interests). This could entail a visit to a doctor's office, or having a nurse come to your home to do the physical. Basic measurements of height and weight will be made, your blood pressure will be measures and blood and urine samples may be required for laboratory tests.

The bulk of the visit, whether with your doctor or at your home, will be comprised of answering a series of personal health questions. These questions about such things as your age, work, lifestyle (whether you drink, smoke, drive a car etc.), sports and related activities and your general and specific medical history tend to be thorough and can take a while but take care in answering them and, no matter how tempted you are to bend the truth to present yourself as a lower risk applicant and get a better rate, do not give false information. It could be held against you later on and the benefit of any policy may be withheld from your family.

Once the life insurance physical is complete the company will go over all of the results. They will then compare the data to see how likely it is that you will die within the time you're covered. This will determine whether they cover you, and if they do, how much your premium will be.

If the results are not what you expect and your premium is higher than you wished, be sure to request another life insurance physical within a year or two if you believe you are healthier. There may be some hassle involved, but your improved health and potentially lower premium can make the second examination worthwhile.

Getting a life insurance physical is not complicated

This is not a complicated process but you may want to get a few quotes from different insurers before worrying about a physical. That way you'll have a better idea of exactly what each insurance company will require from you.

To get a quote simply complete the form on the right-hand side of this page. Once you have a number of quotes to consider you will also receive details of any life insurance physical required.

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General Life Insurance information