Login or Sign up
Start Now

Life Insurance Nurse Paramed

Written by Aaron Pinkston, Wed, Dec 23 2009

Recent Postings

Featured in Alltop The Yakezie Challenge

Topics

 

Since you are looking into life insurance, one of the more common questions people have is about the exam that happens afterwards. Are you going to need an exam and what will they do? What sorts of things do they test for?

Am I going to need an exam?

First, not all life insurance applications require an examination. For the most part, the ones that you expect to have completed in a shorter time frame will tend to not have an examination because of the time involved in scheduling the nurse. Sometimes if it is a small amount of life insurance or if you are a very young person, they won’t want to go through the expense of the tests.

In general, remember that the reason you are using Clarifinancial’s service is to find the best match for you in terms of your expectations of price, company quality, and turn around time. By adding additional elements for the agents to consider, they may have to sacrifice other parts that are more important to your needs.

Long and short, if getting stuck with a needle, peeing in a cup, or having your blood pressure checked are deal killers, ask for the shortest turn around time possible. These policies will tend to be “guaranteed issue life policies” or “simplified issue life policies” that do not require such exams.

But I Just Had My Doctor’s Exam

Doctors don’t always test for the same things that insurance companies are looking for even though many of the tests will overlap. For instance, your doctor might only test your liver GGT when a life insurance company may want your GGT, ALT, and AST. Because insurance companies are not trying to form a medical opinion of your health, they often look for different information than a doctor would and they might view it in from a different angle.

What Do They Test For?

The test they perform are not something that should keep someone from protecting their family or finding a better deal. The tests consist of checking different enzymes, lipids, proteins, blood sugar, and so on to make sure your internal organs are working fine and you aren’t at risk for any unforeseen illnesses. They also test for different chemicals your body makes when it breaks down nicotine and other drugs. Each company could order slightly different tests, so it’s hard to say exactly which tests you might have.

Also, remember that not all life insurance companies have the same underwriting guidelines, especially when it comes to smoking and nicotine. So get accurate quotes from multiple agents.

At the end of the process, you should be given the opportunity to see your results. It’s usually about a page and a half of information that you could share with your doctor. Ask your agent about this when you talk for the first time.

If you are older or applying for a larger amount of insurance, the tests may include a basic EKG, simple cognitive tests, or more. These extra tests are more expensive than the normal labs, so insurance companies order them less frequently than the basic test. If you have concerns about the tests, talk with the agent you choose to make sure you understand the whole process and know what to expect. Clarifinancial is about helping to eliminate surprises, and most agents who use the site understand you might have questions before proceeding. Finally, answer all the questions you can about your health and lifestyle as accurately as possible. This will ensure the agent you choose is better suited to handle your specific needs.

We’ve made it easy for you because choosing is easy only when choices are clear.