My parents are getting life insurance for our family, so a lady is coming over to do our physical exams. I’m in high school and have never had an exam for life insurance.
I’m concerned about what they do when they give us the exam.
If the examination even has anything to do with you at all it will probably be just checking your blood pressure, reflexes, breathing, heartbeat, etc.
However, given your age, some insurers may want to take a sample of your blood, urine, or saliva to check for any drugs in your system, such as, marijuana, cocaine, or methamphetamine. Or, they may also check for nicotine in your system, or any health issues such as diabetes, high protein levels or high cholesterol, etc.
It really depends on the insurance company underwriting guidelines, your age and health, and the amount of life insurance.
Here's an article that explains in more detail some life insurance medical exam tips and how to prepare for the best results.
I’m concerned about what they do when they give us the exam.
If the examination even has anything to do with you at all it will probably be just checking your blood pressure, reflexes, breathing, heartbeat, etc.
However, given your age, some insurers may want to take a sample of your blood, urine, or saliva to check for any drugs in your system, such as, marijuana, cocaine, or methamphetamine. Or, they may also check for nicotine in your system, or any health issues such as diabetes, high protein levels or high cholesterol, etc.
It really depends on the insurance company underwriting guidelines, your age and health, and the amount of life insurance.
Here's an article that explains in more detail some life insurance medical exam tips and how to prepare for the best results.
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