Life insurance offers significant protection for your family and purchasing it is one of the most important decisions you will ever make. Becoming familiar with the process will help get a faster answer from the life insurance company.
An underwriter will examine medical information provided on the application and order medical records based on that information. Life insurance carriers also access the MIB or Medical Information Bureau.
It’s common for what are called “paramedical professionals” to conduct life insurance exams. They will come to your home or office and collect blood, urine and saliva samples, and take your vital signs. These will be used to check your cholesterol, blood sugar, HIV status, triglycerides, etc. Information from the samples will be considered alongside your answers to health questions, your height and weight, blood pressure, and pulse. A doctor’s summary of your medical history records is requested from your physicians or specialists.
Concealing information on an application for life insurance can result in a death claim being denied so it pays to be honest.
Please give me a call at 770-929-1765 to schedule an appointment.