Your guide to the life insurance health exam with SBLI
Understanding the life insurance health exam is key to securing a policy that meets your needs and fits your budget. At SBLI, we want to ensure you feel prepared and informed about every step of this process.
What to expect during the exam
The health exam is a crucial part of the underwriting process that helps determine your premiums. A typical exam will include:
- A questionnaire about your health history, medications, and any recent medical treatments.
- Measurements of your pulse, blood pressure, height, and weight.
- Samples of your blood and urine for testing.
- Depending on the requirements, some applicants might also undergo an EKG.
Preparing for your exam
To ensure accurate results, you might be advised to fast for several hours prior to the exam—morning appointments are ideal to minimize discomfort. Staying hydrated is also important, as it facilitates easier sample collection. Dress lightly to avoid any issues with your BMI readings, and keep any relevant medical records accessible.
Post-exam process
It generally takes a few weeks for us to process your health exam results. High cholesterol or other common health issues don’t automatically lead to higher premiums or policy denial. However, if any unusual results are found, our underwriting team might ask for some additional testing, performed by your doctor.
Cost and duration
The exam is free of charge, covered by SBLI, and typically lasts about 30 minutes.
If your exam uncovers issues
Should the exam reveal any health concerns, your agent can provide you with instructions on how to obtain your lab results from our preferred provider ExamOne. If there are discrepancies between your application and your exam results, further steps may include a follow-up exam or, in some cases, denial of coverage.
Please note: We understand that you may want to review the medical records used in your life insurance application. However, we are not able to provide copies of these records directly. To access your medical information, please contact your doctor or healthcare provider who can provide you with these details. We appreciate your understanding and are here to assist with any other questions you might have about your policy or the application process.
Conclusion
The life insurance health exam is straightforward and should hold no surprises. Preparation is simple: fast, hydrate, and avoid heavy exercise the day before. Knowing what to expect and how to prepare can make the process smooth and stress-free.
Remember, we’re here to guide you every step of the way. Understanding and preparing for your life insurance health exam is just one part of securing the future for you and your loved ones. If you have any questions, don’t hesitate to reach out to SBLI. We’re committed to providing you with clear information and support throughout your application process.
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