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Life Insurance Medical Exam
Every life insurance company requires the policy holder to go for medical checkup. The insurance company wants you to take a medical checkup to determine what rate you should be charged. A person with preexisting condition will be charged with higher premium rate. If you are healthy and have good medical history, your premium rate will be lower. When determining the lifespan of the policy buyer, the insurance company will based its decision on two factors including longevity statistics and medical checkup.
By referring to the longevity statistic, the insurance company will be able to determine the mortality rate at certain age. For example, if the longevity chart state that there is a high mortality rate of men dying at aged 34, the insurance company will charge you a higher premium for that reason. The insurance company charger a higher premium because it is taking a high risk to insure the person. Children insurance is often cheap because there is a low mortality rate in children.
After referring to the longevity chart, the insurance company will ask you to show your medical checkup report. The medical exam can be conducted anywhere including home, office, clinic and etc. If the insurance company wants you to carry out additional tests, you have to go to the clinic and get a medical checkup by a licensed doctor. Some of the things that the life insurance company will ask during your application include your preexisting conditions, medical history of your family, bad habits, amount of life insurance you intend to purchase, weight, height, and contact information of your primary doctor. It is important that you avoid lying about your preexisting conditions otherwise you will be denied of a medical coverage in the future.