5 Must Take Medical Tests for Life Insurance

Are you considering taking a life insurance? If you are after the best products there are with lower premiums and broader coverage, you should go for life insurance products that require medical tests. To give you an idea, here are five of the basic types of medical exams that would be carried out.

5 Must Take Medical Tests for Life Insurance are Below

Physical Exam

A medical physical exam is usually required to determine the basic performance of body systems. For a start, this medical test updates a person’s health history. Vital signs like heart and respiratory rates and blood pressure are taken to find out any existing condition that may affect overall health.

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Aside from those, basic physical exams also include ocular tests to check important parts of one’s body that could possibly indicate any potential health issues. Among those usually checked are the head, eyes, abdomen, and chest. The examining doctor would also check the individual’s ears, nose, and throat and do a fast check on his/her skin, nails, hair, rectum, and genitals.

Complete Blood Count

The complete blood count (CBC) is a common medical test that aims to screen certain disorders that can be determined through consistency of the blood. In general, it can give hints to possible existing medical conditions like anemia, infection, and cancer.

During this test, blood will have to be drawn from the person’s vein. The extracted blood will then be turned over to the laboratory for a comprehensive analysis to determine any possible increase or decrease in blood cell counts.

Abnormal levels of blood components may pinpoint many possible health conditions, which a life insurer should know more about when evaluating your life insurance policy application.

Stool Test

Stool tests involve collection and analysis of a person’s fecal matter with the aim of diagnosing possible presence or absence of a suspected medical condition. In general, this type of medical exam can determine any condition that may affect one’s gastrointestinal system, monitor any presence of cancer or even pre-cancerous lesions, and find out any presence of internal parasites.

A person’s stool is turned over to the laboratory, advisably just several minutes after collection, for comprehensive chemical and microbiology tests. This way, the stool test can confirm or negate any possible health condition or find out the level of presence of parasitic diseases.

Clinical Urine Tests

Urine tests are often tapped for diagnostic purposes, especially during medical exams for life insurance assessments. Aside from determining the levels of ions and other trace minerals in the body, this test could also determine the actual levels of proteins, enzymes, blood cells, and other biological molecules (glucose, bilirubin, creatinine, urea, among others) that could indicate the presence of any serious medical condition.

On the side, urine tests can also determine any unlikely use of recreational or addictive substances. Some life insurers may need such information when assessing the overall condition of a policy applicant.

Chest X-Ray

Medical examiners would also like to take a peek into the insides of one’s chest. A chest X-ray evaluates a person’s lungs, chest wall, and heart to diagnose possible medical conditions that are indicated as well by manifestations like shortness of one’s breath, chest pain, persistent cough, or injury. It can also indicate the presence of serious medical conditions like emphysema, pneumonia, and even cancer.


The exam is carried out without any tedious preparation. It would simply use radiology to create an image translating the interior of the chest.