Hints & Tips
» Reduce your insurance premiums on your health and home insurance
» How your health can affect your insurance
» The type of cover to suit you, your family and home
» Making sure that your policy pays out
» Tips for taking out protection
Depending on your age, general health, family history and the amount of life insurance you apply for you might need to go for a medical exam. Your insurance company might also need to do some more additional tests to help them underwrite your policy to the best of their ability.
Insurers will probably require you to have a general check up where the doctor will check your blood pressure, pulse, height and weight. You may be asked to participate in additional tests that might include providing a urine sample to help indentify if you are a smoker or a drug user. It will also show if you have high blood sugar levels and any signs of kidney disease. You may also be asked for a blood sample as doctors use blood tests to determine your general health, and they can see signs of many different conditions and diseases in your blood.
You could also be asked to take an electrocardiogram (ECG) for any irregularities in your heart or you could be asked to have a chest X-ray for the same reasons and also to check your lungs as well.
