My Account
Applying for life insurance can feel like a significant step, especially when you learn there’s a medical exam involved. But don’t worry—at Senz Insurance Agency Inc., serving the greater Beloit, WI area, we’re here to guide you through the process so you know exactly what to expect and can feel confident every step of the way.
The Importance of the Medical Exam
Once you file a claim, your insurance company will typically schedule a medical exam to assess your health. This step is crucial as it helps determine your risk level, which in turn helps set your policy rates. The good news is that it’s usually quick, painless, and often conducted at a time and place that’s convenient for you—even in your own home.
What Happens During the Exam
When the examiner arrives, they’ll start by asking some basic health questions—things like your medical history, current medications, and lifestyle habits. After that, they’ll take your height, weight, pulse, and blood pressure. You’ll also be asked to provide a small sample of blood and urine. In some cases, an EKG or other additional tests may be needed, depending on your age or the coverage amount you’re applying for.
How to Prepare
A little preparation goes a long way. Try to get a good night’s sleep, drink plenty of water, and avoid caffeine or salty foods before your exam. This can help ensure more accurate readings and possibly better results.
At Senz Insurance Agency Inc., serving the community in and around Beloit, WI, we’re here to make the life insurance process as smooth and stress-free as possible. If you have any questions or want to explore your options, reach out today—we’re ready to help you protect what matters most.
