Insurers set their term life insurance rates based on the results of the medical exam. Your results will be available online for one year. In a life insurance medical exam, the insurer requests blood and urine test to get a detailed health profile and to determine your drug use. Read on to learn more about medical exams and life insurance. It can take just 15 to 45 minutes, depending on what tests … 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. Weisbart says that another way to avoid problems with test results is to apply for an insurance policy, such as a guaranteed issue life insurance policy, that does not require a medical test at all. They also usually have restrictions like you need to live at least a minimum number of years after buying the policy or your heirs won’t receive a death benefit. A life insurance medical exam doesn’t require you to give up an entire day. (800) 521-7873 What a Life Insurance Medical Exam Entails. Click the link in the text to verify your identity and access your results. Additionally, if a medical history interview is required, this will be completed either over the phone or during the time of your exam. There are also life insurance policies that don’t require any sort of medical exam, including blood tests. These policies are more expensive per month than regular insurance. Give us a call if you have any questions about your life insurance needs, the medical exam or what rates are available to you. The life insurance blood test and exam should only take you about 20 minutes to complete. But the best advice I can give is – don’t. Within 7 to 14 days after your life insurance exam, a text message will be sent to you when your laboratory results are ready. Speak to a licensed sales agent! Life Insurance Medical Exams and Blood Tests. The life insurance drug test is similar to drug tests you may have taken for your employer, and are usually administered by testing a small urine sample (some may collect blood for this test as well). Some life insurance policies —particularly ones with a high-value death benefit — may require you to take a medical exam or submit a blood test in order to be approved. There’s sometimes a tendency to minimize the importance of a life insurance medical exam. And with the ability to schedule a test at your most convenient time and place, subjecting yourself to the medical exam can be a great way to get the most coverage for the best possible premium. A paramedical exam blood test is the fastest and easiest way for your insurer to assess your health risks. If you’re overwhelmed with the thought of getting this done – there are No Medical Exam term life insurance options available. 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