Medical Exam for Life Insurance Chicago

Reader’s Question:

What’s up about life insurance and medical exams in Chicago? Do you have to have one? I don’t like needles.

June

Chicago, IL

Hey, June!

Who does? If you are looking for life insurance and you want more than $100,000.00 of coverage in Chicago, chances are good that you will need to have a medical examination. Your age can also determine whether or not you will be asked to have an exam.

Don’t be intimidated. The exams are not invasive. A nurse or a doctor working form the insurance company will oversee the medical exam. They will have access to your medical history and will ask the usual questions. You might be asked to walk on a treadmill. For large policies, EKGs are sometimes used. Urine samples are most often collected during life insurance medical exam. Blood is drawn sometimes, too. But, remember that medical examinations are conducted by experienced professionals who work for insurance companies that want to sell you a policy.

Most candidates try to sleep well the night before their exam. It’s not a bad idea to fast for eight hours preceding the test. You better watch your salt intake. Avoid alcohol, tobacco and caffeine before your medical examination.

If you are not feeling well on the day of the exam, go ahead and reschedule it. Think of your examination as just one step along the way to benefiting your loved ones. June, it’ll be over before you know it.