The Gerber Life Parenting Blog

When are Health Screenings Required for Life Insurance?

May 17, 2012

Health Screening FormsAside from the fear of high premiums, one of the reasons many Americans neglect to enroll for family life insurance policies is the thought of having to take physical health screenings in order to qualify. It seems that to some, the idea of being turned down for family insurance is a thought too painful to consider. But what would you do if you learned that you didn’t have to take a physical exam to qualify?

The fact is, full health screenings are not always required to be approved for a life insurance plan. And in some cases when it is required, the extent of the exam is limited to the taking of blood pressure, a little bit of blood work, and possibly a urine specimen. Whether a person is asked to take a physical exam is based on certain factors, including:

  • Age
  • Family health history
  • Level of coverage desired

Where level of coverage is concerned, the higher the life insurance coverage, the greater the requirement to pass rigorous health screenings. If, for example, you’re a 40-year-old man seeking a million-dollar-plus policy, a health screening is required for life insurance. On the other hand, a much smaller policy can be had by doing no more than filling out a health questionnaire.


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Categories: Health & Safety
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