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Navigating Life Insurance

Life Insurance and Health Exams

Are you ready to buy life insurance? Depending on which type of policy you’re applying for, how much coverage you want, and things like your age and health, you might have to take a medical exam. Don’t worry, it’s a quick and easy process — especially when you know exactly what it entails. We’re here to help you navigate the process.

What Is a Life Insurance Medical Exam?

The purpose of a life insurance medical exam is to get a snapshot of your health, since your health is one of the main factors a life insurance company looks at when determining your premium and whether or not you qualify. It’s important to note that the earlier in life you purchase a life insurance policy, the better. Since your health usually regresses with age, purchasing life insurance earlier in life could potentially save you money down the road. That’s why it’s encouraged to purchase when you’re young and healthy. And, if you’re purchasing a permanent life insurance policy, you could lock in a low premium for life! Read more about when to get life insurance.

For some types of coverage, you may need a medical exam, as well as completing a health history interview and application. During the exam, you’ll get your height, weight and blood pressure examined, and provide a blood and urine sample.

To make the testing as convenient for you as possible, you have the option to have someone come to your home or place of work to perform the test for free, which takes only thirty minutes on average. You can also stop in to a nearby contracted lab, if you prefer.

Life Insurance Medical Exam Tips

When applying for life insurance, you’ll need to answer some health history questions as part of the application process. Here are a few things you should have on hand:

  • Name, address, social security number and driver’s license number
  • Your physician’s name and address
  • Any prescribed medications including dosage, frequency and physician
  • Your medical history

If the coverage you’re applying for requires a medical exam, follow these tips prior to your appointment:

  • Make sure you are well rested with a good night’s sleep
  • Avoid smoking, caffeine and strenuous activity/exercise for two hours prior to your appointment
  • Avoid alcoholic beverages and nasal decongestants for 24 hours prior to your appointment
  • Have a government-issued picture ID (preferably a driver’s license) available
  • Wear a garment that is short sleeved or has sleeves that can easily be rolled up

Can I Get Life Insurance Without A Medical Exam?

Good news! There are some life insurance policies you can get without taking an exam. A great feature of American Family Life Insurance Company’s DreamSecure Simplified Term Life Insurance is a simplified application process, which doesn’t require a medical test — though you will answer some medical questions. You’ll find out if you’re approved or not immediately. It’s also possible, based on the amount of coverage requested and your age and health, that you may not need an exam for other products offered by American Family Life Insurance Company, such as DreamSecure Term Life, DreamSecure Flexible Life Insurance and DreamSecure Whole Life Insurance.

Will I Have to Take Another Exam in the Future?

If you have a term life insurance policy — meaning your policy is temporary and only lasts for the set amount of years you choose — you might have the option to convert it to a whole life policy during a specific window of time. A great perk when converting term to whole life insurance is not having to take another medical exam to secure permanent life insurance coverage.

On the other hand, if your term policy expires and you still want life insurance, you’ll have to apply for another policy and may need to take another medical exam.

Getting life insurance in place gets you one step closer to financially securing your loved ones’ future in case you were to pass away. Get in touch with your American Family Insurance agent to learn more about our life insurance coverages and gain peace of mind that you’re protecting the ones who matter most.

Policy Forms: ICC18-33 (10), ICC18-33 (15), ICC18-34 (20), ICC18-35 (30), L-33 (10)(ND), L-33 (15)(ND), L-34 (20)(ND), L-35 (30)(ND), L-33 (10)(SD), L-33 (15)(SD), L-34 (20)(SD), L-35 (30)(SD), ICC18-36 (10), ICC18-36 (15), ICC18-36 (20), ICC18-36 (30), L-36 (10)(ND), L-36 (15)(ND), L-36 (20)(ND), L-36 (30)(ND), L-36 (10)(SD), L-36 (15)(SD), L-36 (20)(SD), L-36 (30)(SD), ICC21 L141 MS 01 22, L141 ND 02 22, L141 SD 02 22, ICC17-225 WL, L-225 (ND) WL, L-225 WL, ICC17-227 WL, L-227 (ND) WL, L-227 WL

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Related Topics: Whole Life , Term Life , Buying Life Insurance