What type of Medical Exam is required to buy life insurance?

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A free life insurance medical exam, paid for by the insurance company, is required for most life insurance companies and amounts (If no medical exam is required life insurance prices will be much, much higher and the amount you can purchase limited). The life insurance medical exam can be completed at your home, your office or any other convenient location. The medical exam will take about 30 minutes and will be conducted by an insurance company approved and licensed paramedic, registered nurse or medical doctor who will contact you to schedule your exam.

A life insurance medical exam generally involves a blood and urine specimen, blood pressure reading and height and weight measurement. In addition, a series of questions regarding your medical history will be asked. The examiner will ask questions regarding medical conditions, surgeries, medications, or other treatments you may have had. He or she will also ask the names and addresses of physicians and/or hospitals that have treated you. You may wish to make a few notes in advance to save time during the exam.

Will there be any other tests?

If additional testing such as a specific questionnaire or electrocardiogram (EKG) is needed, the arrangements will be made by the examiner. In most cases, an EKG is not required unless specifically requested by the insurance company.

What happens with my life insurance medical exam information?

All exam results are sent directly to the Life Insurance Company underwriting staff by your medical examiner. To protect your privacy, neither 1stQuote nor any other party has access to your personal medical history or test results.

Your life insurance medical exam results are reviewed and used by the life insurance company underwriters and physicians to determine your eligibility, health classification (super preferred, preferred, standard plus or standard) and pricing of your policy.

Can I get a copy of my lab test results?

Upon your written request your test results will be made available to you by the insurance company. Simply request these results in writing at the time your return your completed application packet to 1stQuote and we'll ask the life insurance company to forward their results directly to you.

Should I do anything special to prepare for my life insurance medical exam?

To obtain the best possible results from your life insurance medical exam we recommend you consider the following:

* The best time to take your exam is in the morning.
* Do not engage in strenuous exercise for 24 hours before the exam.
* Get a good night's rest before the exam.
* If possible, fast for at least 8 hours before your exam (12 hours is preferred). You may drink water.
* Drink a glass of water an hour or so before the exam to facilitate obtaining a urine specimen.
* Avoid coffee, soda, tea or other products with caffeine for several hours before the exam.
* Avoid smoking or chewing tobacco for at least one hour prior to your scheduled appointment.
* Avoid alcoholic beverages for at least 24 hours prior to the exam.
* Avoid nasal decongestants.
* Have photo identification available.