Preparing for the Health Test for Life Insurance

In most cases, after the application has been submitted to the insurance carrier, a health test is required, which is paid by the insurance carrier.

A health practitioner will schedule to come to your home or to your work, whatever location you would prefer.

Most of the time,  your weight will be verified, a complete blood test, cholesterol screening, urine analysis and HIV test will  be taken and, depending of the age of applicant and the  policy amount of the insurance, a EKG will be conducted.

Therefore, it is available to schedule the health screening in the morning and to refrain from drinking alcohol and very fatty food the night before.

Here are some question the health practitioner will ask you:

• What is the name of your primary care physician and any specialist you might be seeing?
• Do you take any medications on a regular basis, including prescription and over-the-counter medications?
• Do you have arthritis or muscle, joint or bone disorder, including osteoporosis, joint replacement or fractures?
• Do you have plans for any surgery, medical testing or medical consultation?

Distinguish where you fit before you pre-apply!

Please read this section before you apply for insurance expecting a particular rate. Almost all carriers have a preferred plus, preferred and standard rate. The following are some general guidelines for preferred plus, but each carrier is slightly different.

• No tobacco usage in the last 2 years
• Cholesterol 180-220
• Weight  ( please call for exact weight and height guidelines)
• Blood Pressure 140/90 ( untreated)
• Family history ( no deaths before age 60,siblings or parents) of cancer or cardiovascular disease
• Aviation – no preferred plus rate available
• Driving – no more than 2 moving violations in last 2 years
• Travel – No extensive travel to underdeveloped or politically unstable countries