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What to Expect in a Medical Exam

Traditional medical life insurance policies require a detailed medical history and a medical exam by an insurance company-approved physician. Simplified-issue policies eliminate this step of the application process, but they will still require certain medical information from the applicant. A guaranteed-issue policy will not require any medical information from the applicant. Simplified- and guaranteed-issue policies are generally more expensive to purchase because the insurance company assumes an increased risk of medical problems.

Risk Classes

The application process associated with a medical life insurance policy can be arduous, but it has the potential to lead to dramatic savings for the average policyholder. The insurance underwriters use this information to estimate life expectancy and determine the appropriate risk class in which to place an applicant. Those applicants who enjoy good health and practice healthy lifestyle habits will usually be offered the best premiums and be granted preferred status, while those with some risk factors may be placed in a standard class. Applicants with serious health conditions or risk factors may be considered substandard. Guaranteed-issue policies, on the other hand, tend to price their policies based on the assumption that all applicants have a similar risk rating, which means low-risk applicants will be paying the same premiums as high-risk applicants.

Physical Exams

Those who apply for a life insurance policy will need to have a medical examination with a physician of the insurance company’s approval. The physical will include detailed questions about the applicant’s personal and family medical history, hospitalizations, surgeries and medications. It may take place at either the individual’s home or a medical office, and it will include information about height, weight, blood pressure and more. The insurance company will also generally request a copy of the medical records, health insurance information and photo identification. Some insurers may also request an EKG to determine heart health.

Lab Tests

Blood, saliva and urine samples may also be necessary for a full laboratory analysis. This analysis will check for evidence of any major health condition that could create a serious risk and decrease the applicant’s life expectancy. High cholesterol, high blood sugar, nicotine or the presence of antibodies or antigens can all indicate an increased risk level. Once the exam is completed, lab samples are analyzed and the exam results are sent to the insurance company’s underwriters, who will then determine the appropriate risk category and make an offer to the applicant.

The idea of a such a thorough medical exam may be stressful, but applicants can ensure the process goes more smoothly by scheduling the exam for first thing in the morning, fasting for at least eight hours before the exam, avoiding caffeine and alcohol, and getting a good night’s sleep.


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Liran Hirschkorn

Liran Hirschkorn is the founder of His mission is to help individuals across the country in finding the best rates on life insurance as well as helping individuals with high risk life insurance.

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