Who Is Responsible For Paying For The Life Insurance Medical Exam?

When applying for life insurance, you will need to undergo a medical exam to assess your health and eligibility for coverage. But who is responsible for paying for this exam? The answer is simple: your insurer.

What is tested during the life insurance exam?	Who pays for the life insurance medical exam?
The exam tests for various factors, including drug use and general health. A certified paramedical professional will conduct a basic physical, including asking about your health and taking your blood and urine samples.	Your insurer pays for the medical exam.

The blood sample will also look for drug use, both prescription and recreational. Testing positive for illegal drugs will likely result in automatic disqualification from traditional life insurance. Evidence of illegal drug use typically results in automatic ineligibility.

In most cases, your insurance company will send a paramedical to your home, office, or other location of your choosing to conduct your physical. The paramedical will ask you questions about your current health and medical history, which should take roughly half an hour. The examiner will also collect blood and urine samples.

If you want to prepare for an upcoming life insurance medical exam, you can take some steps to improve your health and eligibility for coverage. For example, improving your overall health by losing weight, taking control of your blood pressure, and living a healthier life can result in better life insurance rates. At a minimum, consider avoiding alcohol, caffeine, and tobacco for 24 hours before your life insurance urine and blood tests. Finally, if possible, schedule the exam early in the morning to fast for at least 12 hours beforehand.

In conclusion, your insurer is responsible for paying for the life insurance medical exam. By taking steps to improve your health and lifestyle, you can increase your eligibility for coverage and potentially receive better life insurance rates.