Term Life Insurance Articles
How Urine And Blood Tests Play A Vital Role In Life Insurance Exams
2010-11-21
Whenever a person applies for a life insurance policy, more than likely they will have to undergo a medical exam. Life insurance exams are performed by a nurse who comes directly to your home. During these exams, the nurse will check your blood pressure, height and weight, and take urine and blood tests. This medical exam is a requirement in order to purchase life insurance. If the applicant refuses to participate in any of this testing, they can be refused coverage.
In order to determine the accurate life insurance premium you will pay, life insurance exams are essential. This is because life insurance rates are calculated according to the amount of risk an applicant poses to the life insurance company. Urine and blood tests are used to check the current health status of the applicant. By testing these two fluids, life insurance underwriters can see if the applicant has any chronic conditions or other serious health issues. Conditions such as diabetes, cancer, or AIDS/HIV can all be detected through blood and urine. This testing is beneficial to the applicant as well as it may reveal underlying health issues that have been undetected before the tests were done. Because of this, these health issues can be addressed in their earlier stages. As well, the blood and urine tests will bring peace of mind to the applicant by confirming that they are in good health.
Insurance questionnaires also ask the applicant if they regularly use tobacco or other drugs as well as alcohol. Blood and urine can be tested to see if they contain traces of any of these substances. Some applicants have the misconception that if they ingest certain substances, this act can disguise the presence of nicotine or drugs in their system. This is a false belief that the insurance companies are well aware of. If they test blood and discover that the applicant has traces of these substances, they may charge higher premiums or deny coverage. Regular smoking or drug use can lead to serious health conditions such as asthma, emphysema, cancer, or cardiovascular disease. This means that the applicant poses a higher risk to the insurance company.
Remember, most life insurance policies require a person to undergo a medical exam that includes drawing blood and collecting urine samples. The results of tests performed on these fluids will be matched against the applicant's verbal or written questionnaire. It is important to always be completely honest when answering all questions as the insurance company will follow up with your physician. If you have been dishonest, this may affect the premiums you are charged or it may result in you being denied coverage.
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Whenever a person applies for a life insurance policy, more than likely they will have to undergo a medical exam. Life insurance exams are performed by a nurse who comes directly to your home. During these exams, the nurse will check your blood pressure, height and weight, and take urine and blood tests. This medical exam is a requirement in order to purchase life insurance. If the applicant refuses to participate in any of this testing, they can be refused coverage.
In order to determine the accurate life insurance premium you will pay, life insurance exams are essential. This is because life insurance rates are calculated according to the amount of risk an applicant poses to the life insurance company. Urine and blood tests are used to check the current health status of the applicant. By testing these two fluids, life insurance underwriters can see if the applicant has any chronic conditions or other serious health issues. Conditions such as diabetes, cancer, or AIDS/HIV can all be detected through blood and urine. This testing is beneficial to the applicant as well as it may reveal underlying health issues that have been undetected before the tests were done. Because of this, these health issues can be addressed in their earlier stages. As well, the blood and urine tests will bring peace of mind to the applicant by confirming that they are in good health.
Insurance questionnaires also ask the applicant if they regularly use tobacco or other drugs as well as alcohol. Blood and urine can be tested to see if they contain traces of any of these substances. Some applicants have the misconception that if they ingest certain substances, this act can disguise the presence of nicotine or drugs in their system. This is a false belief that the insurance companies are well aware of. If they test blood and discover that the applicant has traces of these substances, they may charge higher premiums or deny coverage. Regular smoking or drug use can lead to serious health conditions such as asthma, emphysema, cancer, or cardiovascular disease. This means that the applicant poses a higher risk to the insurance company.
Remember, most life insurance policies require a person to undergo a medical exam that includes drawing blood and collecting urine samples. The results of tests performed on these fluids will be matched against the applicant's verbal or written questionnaire. It is important to always be completely honest when answering all questions as the insurance company will follow up with your physician. If you have been dishonest, this may affect the premiums you are charged or it may result in you being denied coverage.
