Reader’s Question:

I’ve decided to get a universal life insurance policy from a reputable company here in New Jersey, I would need to undergo a medical exam, what should I expect during this exam?

Clyde

Elizabeth, NJ

Congratulations on deciding to get life insurance! Now comes what seems to be the most awkward part of the application process to a lot of people, getting through the physical or medical examination required. For those not in the know, the reason life insurance providers sometimes require people to undergo a medical exam would be to determine how much risk you pose of dying soon. This would give the life insurance provider a good idea if they would need to charge you higher life insurance premiums due to the increased likelihood that they will have to pay death benefits too soon, or a low one, to keep your business for a long time.

Here are a few things to remember when you go to your life insurance medical exam there in New Jersey:

1. You will be asked about your medical history, as well as your family’s medical background.
2. You will be asked about your lifestyle activities, if you participate in hazardous activities, smoking .
3. Your height and weight, blood pressure as well as taking of blood sample and urinalysis.
4. Contact Information to your doctor.
5. Total amount of life insurance coverage that you are buying for your policy.

It would be best to consult your life insurance provider directly and ask specifically about the kind of tests that will be needed to be done. You should also refrain from getting a No-Exam life insurance if you are looking to save on life premiums since it would be much more expensive.