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Are You Looking For Life Insurance
When shopping for life insurance coverage, as with anything else, most of us are searching for great value. Securing a policy thats a great value generally means it provides a combination of quality, robust coverage and good pricing relative to similar products.
If there were a perfect way to describe medically underwritten term life insurance, it would be a great value. For most people who need coverage which is usually individuals who have young families who rely on them financially medically underwritten term life insurance provides coverage at an affordable price during the years your family needs it most. Yes, there have been technology advancements in the life insurance industry to, in some cases, provide medically underwritten life insurance without a medical exam. For eligible applicants, we offer this type of coverage and experience at Haven Life. But the reality is that many people need to take a life insurance medical exam in order for us to provide them with their final rate.
If you need to take a medical exam to get life insurance, this means you are on the path to getting coverage thats a great value and some much-needed peace of mind that your loved ones are financially protected.
Learn what to expect from your life insurance medical exam, why its needed and what your options are for completing the exam.
When You Schedule Your Exam
Be honest
The exam will include questions and tests that verify some of the same info you put on your life insurance application. Be honest on the application, or the insurer may later catch you in a lie and deny you coverage.
Find out if you need to fast
Blood sugar and other tests may require you to not eat for several hours before your test. If youre worried about hunger pangs, schedule your medical exam in the morning so you can sleep through most of your fast.
A tip for our female readers
Try to schedule your exam when youre not on your period. Otherwise, your test results may not paint an accurate picture of your overall health.
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Ontario Security Guard And Private Investigator Testing
In Ontario, any person who performs work, for remuneration, that consists primarily of guarding or patrolling for the purpose of protecting persons or property requires a security guard licence. This includes, but is not limited to, bodyguards, bouncers, and loss prevention personnel.
Private investigators are persons who perform work, for remuneration, that consists primarily of conducting investigations in order to provide information on the character or actions of a person, the business or occupation of a person, and the whereabouts of persons or property.
The Ministry of the Solicitor General regulates Ontario’s private security industry with an aim to ensure work is carried out professionally, effectively, safely, and lawfully.
On behalf of the Ministry of the Solicitor General, Serco Canada Inc. administers security guard and/or private investigator tests at DriveTest Centres across the province. ServiceOntario then processes security guard and/or private security applications and issues security guard and private investigator licences to eligible applicants.
How Do I Get A Testing Completion Number
Your testing completion number is your ID code for your test and will be used by ServiceOntario and the Ministry of Ministry of the Solicitor General for licensing purposes. Your testing completion number can be found on your appointment confirmation and reminder emails. If you are having trouble locating this number, please contact us with your full name and date of birth and a description of your issue.
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Getting The Results Of Your Life Insurance Medical Exam
You may be able to access the results of your blood and urine tests, depending on the paramedical company that conducted the test. For example, ExamOnewhich is one of the top paramedical servicesprovides results within seven to 14 days after an exam. Applicants can register on the ExamOne website and be notified by email when their results are available.
To find out whether you can get your exam results, ask the representative you speak with when you schedule your exam. Or contact the paramedical companys customer service.
What Are They Testing For
Life insurance companies routinely screen for a variety of different health alerts such as:
- elevated blood sugar levels
- cocaine, cotinine and the substance indicating nicotine use
- conditions that may indicate heart disease, diabetes, and certain types of cancers
To test for these issues, a typical life insurance medical exam may include a blood and urine sample, your height and weight, blood pressure, and pulse rate. Keep in mind that if you are age 50 or older and are applying for a large amount of life insurance, you may be asked to undergo additional tests that could include an electrocardiogram and a treadmill stress test. In addition, your medical records may also be requested from your primary care physician.
Once your exam has been completed, your samples will be sent to a lab for testing. The length of time before the life company receives your results will vary however, it typically takes on average between 30 and 60 days for a life insurance application to be reviewed and a policy to be issued.*
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What Do Life Insurance Companies Ask During A Medical Exam
In addition to testing for drugs and preexisting health conditions, your paramedic may ask you various health questions. There are two reasons for this. The first is to uncover any additional information about your personal and family medical history, as well as confirm any health information you supplied in your life insurance application.
While every life insurance medical exam is different, insurers include many of the same questions. Expect to be asked about the following topics:
Your medical history
Medical history questions will likely include questions about hospitalizations, surgeries, diagnoses, and medications.
Your family medical history
If your family has a history of diabetes, cancer, heart disease, or other health conditions, it may indicate that youre at risk of developing the condition as well.
Your lifestyle
The paramedic may ask about tobacco, alcohol, and drug use, as well as other questions designed to uncover risky behaviors or dangerous hobbies.
Physician contact information
To facilitate gathering or clarification of your medical records, the paramedic will likely ask for a list of doctors and hospitals youve visited in the last few years.
Need Help Getting Life Insurance Coverage
If you have a preexisting medical condition and want to buy life insurance, you will need help from an expert. This person can help make sure that you get coverage so that you dont get declined.
Warning: Applying for life insurance without a medical exam can be risky. If you get declined coverage, it could be at least two years before you are able to get any life insurance.
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Hours Before Your Medical Exam
Get plenty of rest
A good nights sleep can keep your blood pressure and stress levels low.
Skip the exercise
A strenuous gym session can temporarily release more cholesterol and protein into your system, which can bring your results down.
Relax
Meditate, breathe deep, and avoid stress to keep your blood pressure and heart rate as low as possible.
Follow fasting instructions
Insurers typically ask applicants not to eat for 12 hours before a life insurance medical exam.
Inside Quest Diagnostics: A Look At Examone
As you have worked with Quest Diagnostics through the years, you may have heard about other companies and business sectors in which we operate in addition to your day-to-day interactions with Employer Solutions. One wed like to highlight is ExamOne.
ExamOne has been a leader in providing risk assessment services to the life insurance industry since 1972. If you have ever applied for life insurance and had a paramedical exam with a blood draw, it is likely an ExamOne examiner performed the exam and that your specimen was sent to a Quest Diagnostics laboratory for testing.
Not only does ExamOne offer mobile or onsite collections and laboratory testing for life insurance carriers, they also provide a comprehensive suite of services that aid in the life insurance underwriting process, including:
- Electronic data collection
- Inspection reports
The solutions ExamOne provides to its clients underwriters, agents, and brokers help them quickly and accurately obtain the information they need to issue insurance policies. Behind each policy is an applicant making an important decision for his or her familys future. To assist those on their life insurance journey, ExamOne offers the industrys only website dedicated to the individuals applying for life insurance at MyExamOne.com. More than 30,000 people visit the website each month to gain information on preparing for their exam, accessing their lab results, and to provide feedback on their experience with ExamOne.
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What Not To Do Before A Life Insurance Medical Exam
Beginning one to two days before a life insurance medical exam, you should stop or reduce your intake of coffee and alcohol. In addition, you should tone down your exercise routine, as this can lead to elevated proteins in your urinalysis.
If you want to be particularly cautious, there are also several chemicals and foods that have the potential to trigger inaccurate exam results. Medical testing has improved significantly over time, so while theyre unlikely to cause issues you may want to avoid:
- Poppy seeds: Can cause false positive for opiates
- Vitamin B12 or riboflavin supplements: Can cause false positive for marijuana
- Tonic water: The quinine can cause false positive for cocaine
- Ibuprofen: Can cause false positive for marijuana
- Sleeping pills: Can cause false positive for barbiturates
- Cold remedies and decongestants: Can cause false positive for amphetamines
- High-protein snack bars: Can cause false positive for marijuana
How To Prepare For A Life Insurance Medical Exam
Want help navigating life insurance?
A life insurance company wants to know who theyre insuring and the known risks. After all, youre contracting with them so your beneficiaries will receive a sum of money if you pass away while your life insurance policy is in force.
This is why, after answering questions about your health history and specifying the type of policy you want, your chosen carrier will often arrange for a medical professional to come to your house or business to give you a life insurance physical.
Its important to take your life insurance medical exam seriously because the results can affect your rate classification, which helps determine your premiums. While you cant entirely overhaul your lifestyle – including your diet, weight and exercise – in the few days before a life insurance exam, there are simple and short-term things you can do to ensure your body is in its best possible form when the paramedical examiner comes.
Here are some life insurance exam tips to help you prepare:
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Have The Examiner Come To You
If youre comfortable and your city and state mandates support it, most customers prefer to have a medical examiner come to their home for the exam. Its quick. Its convenient. And ExamOne paramed examiners practice the utmost care and professionalism when administering a mobile examination.
Most cities and states currently support at-home medical exam tests. Currently, mobile exams are not available in New Hampshire, Rhode Island, or Vermont.
When ExamOne calls to schedule your paramedical exam, you will be notified whether the mobile offering is possible.
Your Health And Life Insurance Rates
Health status plays a critical role in how much you pay for life insurance. Smoking and age influence rates, but even if youre 30 nonsmoker, youll pay more if youre in poor health.
Heres how much you could pay depending on your age, health and smoking status.
Average Annual Premiums for Term Life death benefit of a 20-year, $250,000 term life plan
| Health profile and term length | Age 30 |
|---|
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What Does The Medical Exam Include
The paramedical exam will typically include:
- A survey about your health, medical history and lifestyle
- A check of your pulse and blood pressure
- A measure of your body mass index.
Some tests also require a urine sample and older applicants may also be required to undergo an EKG.
Many insurance companies offer to send a medical examiner right to your home to conduct the exam and it can often be completed in 30 minutes or less.
What Should I Expect During A Life Insurance Paramedical Exam
The purpose of a life insurance medical exam is for the insurer to get a fuller picture of your health than whats possible on an application or in a phone interview. To accomplish this task, an insurance company will have a licensed paramedic conduct your exam.
Typically, the paramed exam will take place in your own home at the insurers expense. The process could take as little as 20 minutes and usually less than an hour.
When your paramedic shows up, you can expect the following activities:
- Medical and family history questions
- Basic measurements
- Electrocardiogram
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Labpiqture Tool Combined With Advanced Rules
ORLANDO, FL August 16 2021, 9:00am EST Hannover Life Reassurance Company of America today announced a collaboration with ExamOne, a Quest Diagnostics Company, to incorporate ExamOnes innovative LabPiQture data into hr | ReFlex, Hannover Res automated underwriting solution for life insurers.
This integration allows hr | ReFlex clients to automate the use of LabPiQtures comprehensive, real-time clinical laboratory records to enhance the accelerated underwriting of life insurance policies. Combined with sophisticated rule-sets developed by the medical underwriting team at Hannover Re US in collaboration with ExamOne, the new LabPiQture module of hr | ReFlex allows life insurers to significantly enhance their automated underwriting capabilities, make more offers to life insurance applicants without any manual, in-person processes, and achieve a large reduction in the time and cost of policy issuance.
Data from LabPiQture captures wide-ranging medical information such as serum biochemistry, hematology, microbiology and toxicology test results in a digitally standardized format. hr | ReFlex then uses that applicant disclosed data to provide intelligent and objective signals for underwriting decisions.
The module meets all legal and regulatory requirements around consumer authorization for the disclosure and use of consumer information.
What To Expect During The Paramed Exam
When you schedule the medical exam for your insurance policy, you will be asked about your health history, medications you take and details about recent medical treatment you may have received.
Additionally, because of COVID-19, ExamOne will now ask about recent travel, any symptoms you may have experienced in the past five days, or if you have come into contact with someone who has COVID-19. If you answer yes, they will ask to schedule the exam at a later date. For the health and safety of examiners and other customers, please be honest.
The health exam might seem intimidating but its actually a pretty straightforward process. The exam itself takes about 20 to 30 minutes and the paramedical examiner whos conducting the exam can meet you at your home, your work or the exam office. The insurance company pays for the exam so it doesnt cost you anything other than a little of your time.
Pro tip: If youre feeling nervous about the exam, schedule it to take place wherever youre most comfortable.
To start things off, the paramedical examiner might ask you some questions about your family medical history. Youll also be asked about any medications or supplements youre currently taking, whether you smoke, drink or use drugs, what type of job you have and the kinds of hobbies you engage in.
Once thats out of the way, the paramed will:
- Take your blood pressure
- Collect a blood and urine sample
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What Do Life Insurance Blood Tests Look For
The health exam, including blood tests and urine tests, assesses you for several medical conditions, including:
-
Elevated cholesterol: Your risk for heart disease and stroke increases if you have high cholesterol.
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High blood pressure: Your test could reveal high blood pressure or the usage of beta-blockers, a medication to control high blood pressure.
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HIV/AIDS and hepatitis: Along with other diseases, youre going to be tested for HIV/AIDS and hepatitis, which increase the risk of insuring you.
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Hyperglycemia or elevated glucose: This could be an indicator of diabetes.
-
Organ issues: Kidney infections, liver problems and other organ-related issues can show up on a life insurance test.
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Prostate cancer: Male applicants over the age of 50 may also be asked to conduct a prostate-specific antigen test.
Results that show any of the above may lead to higher premiums or, in severe cases, a application. If you purposely conceal information thats revealed after the medical exam, your application could be denied or your coverage could be canceled. The life insurance company may also note on your Medical Information Bureau report that you were dishonest, causing other companies to deny you coverage in the future.