Life Insurance Medical Exam Illinois- What To remember
Reader’s Question:
Are there any preparations to be done for the medical exams when applying for life insurance in Illinois?
Rico
Chicago IL
An application for an insurance coverage below $100,000 and an applicant with an age below 40 are generally not required to take the medical exam. The older the person is, the more likely he/she is required to get a medical exam. The exam also depends on the insurance company’s guidelines and the person’s health history.
A medical exam is conducted by a nurse or a doctor assigned and paid by the company. Normally, a medical exam consists of urine test, basic physical exams and blood work. For a large amount of insurance policy, some insurance companies require EKG and/or treadmill EKG. The applicant is also asked with his/her medical history, which includes the name of the doctor, the dates of appointment with the doctor/s and
any treatment recommendation.
It will not help to obscure facts about your medical condition since insurance companies can get into wide medical information because of the Medical Information Bureau. In case the insurance company finds out that you have not disclose an information and you die, the company may not pay your death benefits.
Here are some of the guidelines that you can do to get the best possible result of the exam.
1. get enough rest the night before the test
2. to get the accurate result, fast for eight hours before the test
3. do not smoke and avoid caffeine an hour before the test
4. avoid alcohol at least eight hours before the test
5. avoid strenuous exercise for 24 hours before the test
6. limit intake of food with salt and cholesterol for 24 hours before the test
7. If you got sick, cancel the test as this can distort the result even for a minor infection.
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