Asked by Carla Truett  |  Submitted November 04, 2015

What do insurance companies look for in health exams?

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  Answers  |  1

November 05, 2015

Carla,
No matter what type of insurance you are looking to purchase, the insurance companies are looking to determine the level of risk that they would take on by insuring you relative to other people who are the same age and the same gender as you are.

If we assume you are asking about a life insurance exam the insurance company will send either a paramed or a doctor to conduct your exam. They will take urine, blood, your blood pressure and potentially an EKG depending upon the face amount (i.e. how much death benefit) you are asking for. They will also pull your doctors’ records referred to as Attending Physician Statements (or APSs.) From the APSs and the exam results the underwriter at the insurance company is trying to form an opinion about your relative mortality risk. Said differently, the risk of you dying prior to your life expectancy compared to others who are your same age and gender.

If you would like further clarification or more details I’d be happy to answer any follow up questions you may have.
Brad

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