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Before you can get your concluding quote and actually subscribe your policy, you must have got a medical exam. The intent of this examination is obvious. First, they desire to verify the information you provided on your application and second, they desire to cognize if you have got any medical status which you may not be aware of. This medical examination will directly act upon your insurability and the concluding costs of your premiums.

In most cases, the insurance company will pay for the medical examination and will take which paramedical will carry on the exam. In some cases, no medical examination may be necessary. This usually is the lawsuit for immature people and/or policies with small coverage amounts. In most cases you can anticipate to be contacted by a paramedical to schedule your life insurance medical exam.

Interestingly enough, the more than than coverage you are requesting and the type of policy you are seeking, the more extended your medical examination will be. Physical exam, piss specimen, blood work, electrocardiogram and x-ray are common in the medical exam. You can also anticipate to be tested for HIV, high cholesterol, liver or kidney disorders, diabetes, hepatitis and immune disorders, as well as drug use, and smoking.

After your exam, the consequences will be sent to the insurance company for review. This is why giving the most accurate information on your application is important. If they happen disagreements between your application and the consequences of the examination they can deny you coverage or petition a second exam.

If you are declined coverage based on your medical exam, it is your right to be sent a transcript of that medical examination for reappraisal by you or your doctor. If you believe that the diagnostic test consequences are wrong, don’t waver to reach your insurance company and petition a second medical exam.

Once the insurance company reappraisals your medical examination consequences and O.K. you, they will cipher your insurance premiums based on all the information, conditions, provisions, wellness risk, etc specified and direct you your concluding policy quote for reappraisal and acceptance.

Try to be very accurate on your policy application. It can be very hard to gull the life insurance medical examination and sometimes an insurance company will completely deny you coverage based on your inaccuracies, even though they may have got covered you if you had been more than accurate, at a higher insurance premium of course.

An illustration of this came to us from a fellow in Miami, Florida. He stated on his application that he was a non smoker. And for the most portion this was true. He did not see the 3 to 4 cigarets per hebdomad he smoked to measure up him and categorize him as a smoker. Once the examination was completed, it showed that he indeed was a smoker. The insurance company declined to procedure his application any further. He discontinued smoke for some clip and applied to another insurance company where he was accepted as a non smoker.

The insurance companies have got all the powerfulness and modesty the right to not see you for any ground they want. In the illustration above, this men household may happen later, at the clip of his death, that the insurance company will decline to pay out the death benefit because they will happen out that he is a smoker, even if its lone a few cigarets per week. How will they happen out you ask? Prior to paying out any benefits, regardless of the amount, the insurance company will necessitate a transcript of the medical records of the insured. If they determine that he was a smoker, even if he started later in life, they could deny his household the death benefit because he did not advise them of his change in medical status.

There are many cases of this. Remember, the insurance companies are looking for any ground whatsoever to not pay.