What does a medical exam for life insurance entail?

Question

I'm not sure why I have to get a checkup. I'm 26 years old and healthy. What exactly will they test for and what am I going to be required to do?

Answer 1

I doubt they will take blood for a $100,000 policy, but it is possible.  Expect a portable EKG and a urine test.  Many companies usually just use non medical underwriting for policies under $250,000 these days so you might look around for another company or agent that will help you find a company that will use non medical underwriting for $100,000 policy if you don't want to mess with the exam.

Answer 2

Typically a medical history, blood work, urinalysis, height/weight, blood pressure, sometimes an EKG.  Pretty routine stuff.  Evaluating your health is part of the standard underwriting procedure.  

Edit:  They will most certainly test for drugs.  Get yourself straight.

Answer 3

Really depends on the insurance company.  If it's just a portamed, it will be checking your vitals, ask you some medical questions again, urine test and possibly a saliva sample.  If you are healthy and somewhat fit (within 25 pounds or so of what you should be for your height), it is highly unlikely that you will need an ECG or any further medical evidence considering your age and the small amount of insurance you are applying for.

The urine and saliva samples will be tested for drugs and alchohol and often a nicotine byproduct called cotine (to prove whether you are a smoker or non-smoker of cigarettes, cigars, marijuana).  Some insurance companies also test for a byproduct that can be found in the quick cleanse kits that people use to pass urine tests as well, FYI

Answer 4

You can get a 100k policy without a medical exam. Just google it, and you'll find some offers.

But are you sure you even need life insurance? I suggest you read the following article before you shop:

http://lifeinsurancenow.com/how-to-buy-l...

Answer 5

Yes they test for drugs and the will be looking at your liver function. They require the check up so they can charge you a fair rate. It would not be fair to charge a health non drinking, non smoker the same rate as a heavy drinker, heavy smoker with high blood pressure.

If you test positive for drugs it will show up on your medical information bureau report for the next ten years.