Life insurance medical

I'm trying to sort out some life insurance for a fairly substantial sum. I'm a 35 yo non-smoking guy with no health issues to disclose and normal BMI etc. The insurance co have told me I need to give them the name of a local doctor here (I'm an expat and the policy is being set up back home) so that they can set up a medical. Doesn't sound like it'll be one of the quickie exams with a nurse but rather a full on exam. Trying to get details from the insurance co as to exactly what this will entail but they seem reluctant to tell me details...

Does anyone have any experience of what I'll be in for?!?

I like that they're letting me choose the doctor! I'm busy checking out the doctors profiles (photos) on all the local websites now!

Typically the insurance company will want a urinalysis, blood test and ekg. I've only had to take off my shirt for the ekg.

That sounds v dull 😢

Yeah, I once obtained about a $1M policy and it was just the standard health questions, blood draw, urinalysis, weight, BP, etc. Of course if you're applying for more coverage you might get a more extensive exam.

Mine have all been pretty dull.

Height/Weight/Blood Pressure

Blood/Urine

Medical History

I've never had an extensive insurance exam, other than the bare minimal H/W/BP/Blood/Urine/History that others have described. However, I have fantasized about one and wrote a story about it:

http://www.zity.biz/index.php?mx=forum;ox=display;topic=38516.0

I hope you enjoy.

Wow that's an amazing storey Jimmy! If only I was in for a fraction that...

I was going to take out life insurance several years ago. I forgot how much. The insurace company sent the medical examiner's form for a doc to complete. I noticed a place on the form for the doc to check for hemmorhoids and prostate. I chickened out and did not go. At the time, I was not into med stuff. That would have been my first complete physical since I was only 22 i think at that time. Opportunity missed.

I had an insurance exam many years ago. I was instructed to go to a facility that specialized in occupational health. It has to be one of the complete exams that I have ever had. A head to toe that included lab work, chest x-ray, EKG, and lung capacity function test. Upon entering the exam room, I was told to strip down to my underwear and then waited nearly twenty minutes for the doc to enter. The waiting is what I remember the most. When time for the testicle and hernia check I removed my briefs as told. Then, I instructed to lay on the exam table on mt left side for the rectal exam. That was the very first time that I was completely naked (no sheet and no gown) on an exam table. Also, one of the few times the rectal was performed while I was on my side.

I had one in February at home. Took blood and urine. Also weighed me and took my blood pressure. Reviewed family history and signed release forms for my physician to give copies of my records to the insurance company. It was for a $300K whole life policy so I am not sure how much more it would be involved if it were for say $1M.

Usually quite basic just to check your not at deaths door

Over the years, my wife and I have had to have in home or at work exams for life insurance policies.. usually, they draw some blood, and do an EKG.. wondering if any women have been asked to remove blouse and/or bra for this type of exam?

What did they do at yours/your wife's? Did it differ as to the setting? (work/home)

I have had a n/p meet me both at my home, as well as once at my office.. both times, the same, i.e. drew blood, and EKG..(I've been asked to remove my shirt to facilitate the sensor being attached).

I have fantasized about my wife, in both settings, (though she's only been examined at home, to my knowledge).. she has rather large, dense breasts, and wears underwire bras.. the thought of her being asked to remove her blouse and bra in either setting is incredibly arousing to me..

I have had two physical exams for life insurance. Both were in doctor's offices. I had to undress to my briefs for one of those and got a thorough exam. For the other, I didn't have to undress, except to drop my jeans and underwear for the hernia exam. Blood and urine samples both times.

Mine have always been done by a visiting nurse. lots of questions, heart & BP. very quick since I guess my answers to the questions were not alarming

Same here. Blood, urine, BP and weight by a tech at home. They took the medical records from my doctor for everything else.

I just had one done today by a visiting nurse at my house. When she first arrived, she gave me a container and told me to go to the bathroom and fill it about half full for a urine sample. If I had anything to hide, I could have given her someone elses clean sample. Then she asked me about 10 questions about my health history which was a lot easier than the 20 minute telephone questionnaire I had to answer just last week. Then she took out a regular bathroom scale to measure my weight and when I stood on it, it swung to a reading four pounds lighter than the doctors scale did two weeks ago. (After she left, my own home scale was five pounds higher than her reading). Next she took out a regular carpenters tape measure and did come up with the same reading as the doctors office. Next was the blood draw and obviously had done this often because she got what she needed the first time with minimal pain. She asked what prescriptions I was taking so I gave her a printout of what I was on and 20 minutes after she arrived, she was out the door. This is only for a $100,000 term policy so I also wonder if a larger policy would entail a more detailed exam.

I had one and it was nothing. They took weight and heigh. Blood work and that was it. Could have been great but wasn't.

I have had several exams for life insurance and also a number for disability insurance. All these exams included lab work but also full body examinations, including the genitalia and hernia. The life insurance exams also included rectal exam.

Really exam doc ? I have had life insurance through work and for those, nothing. No exam ever ! I guess they have some kind of group rates for all employees within a certain age band.

I also have had life insurance on my own. The agent came there with some doctor. He took like an hour to fill all paperwork but all he ever did was check for vision, did some light steth-ing over the tank and drew blood from one of my arms. Forget rectal, I didn't even get oral temperature taken. This was 7 years ago.

Yes, PlayMichael, "really." It makes perfect sense that life insurance obtained through an employer would have no exam since the insurance company was agreeing to insure all employees without medical exclusions. Term life insurance and policies with payout amounts of one million or less would probably not require physicals either.

What companies have the strictest standard for exams?

For a first time life insurance exam, I was told to go to the doctor that the insurance company picked. I had filled out the forms and thought that I might not have a doctor exam but just blood drawn and give a urine sample. I was probably 30 at the time and hadn't had a physical in several years at that time. Ended up in my briefs only with a doctor who did everything but a rectal exam. My shorts came down for the hernia and testicle exam.

It's over a year since I had the exam. I gave the insurance company the name of a local doc and they fixed the appointment. It was more thorough than I was expected from replies here.

I was told to strip to my underwear before the doc arrived and provide a urine sample (which I got to provide in privacy). The doc measured height, weight, BP, thorough stethed all over whilst sitting then whilst laying on the couch. Poked and prodded me all over then got me to stand up/drop my boxers for hernia/ testicular checks.

My ass was the only area that escaped his inspection..

For the company insurance and benefits i had to have a physical it ws detailed including EKG running on a thread mill and full physical exam also had to provide blood sample and urine sample. not fun but i had fetished physicls since a teen physical i had so i was ok