After working with your advisor and deciding on the amount of life insurance you need as well the product you want, you will then have to complete a life insurance application with your licensed advisor either in person or online/over the phone. The application process consists of basic date collection (age, DOB, address) along with some financial and lifestyle questions. It typically takes about 15 minutes to complete and then is submitted to the life insurance company for review.
Life insurance policies are also medically underwritten, which means you are approved for a policy based on your current health/lifestyle situation. There are times when the advisor will be assigned to ask the health questions (for smaller benefit amounts); but typically a paramedical nurse will contact you within a couple of days of completing your life insurance application to set up a time to complete the medical component of the process. The nurse can meet you at a time and location of your convenience and the medical exam consists of 4 components:
· Medical questions
· A blood profile sample
· A urine sample
· Vital signs (height, weight, pulse and blood pressure readings)
Below are some tips that are helpful to consider before meeting the paramedical nurse:
· Avoid alcohol for 12-14 hours before
· Avoid caffeine and salt
· If you are taking prescription medication, have it ready for reference as the nurse will be asking the type and dosage you are taking.
· Answer honestly – to the best of your knowledge, make sure you give a complete outline of your medical history
It is also beneficial to get lots of rest before meeting the nurse, and it is typically better to book an appointment in the morning as you tend to be more relaxed compared to later in the day. This can help with your blood pressure readings.
Feel free to contact us to see what your specific application would entail as it can vary based on age and face amount applied for.
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