Life Insurance Medical Exam in Connecticut: What to Expect and How to Prepare

The Life Insurance Medical Exam in Connecticut

Short Answer

A life insurance medical exam is a free, 20- to 45-minute visit from a paramedical examiner, usually at your home or office. They record your height, weight, blood pressure and pulse, take blood and urine samples, and ask about your health history. Older applicants or those buying large amounts may also need an EKG. Healthy applicants often skip the exam through accelerated underwriting.

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At a glance
Part of the exam	What it checks
Measurements	Height, weight, blood pressure, pulse
Blood sample	Cholesterol, blood sugar, liver and kidney function, nicotine, some drugs
Urine sample	Nicotine, protein, drugs, kidney function
Health questionnaire	Conditions, medications, doctors, family history
EKG	Heart rhythm; mainly for older applicants or large policies

At a glance

Part of the exam

What it checks

Measurements

Height, weight, blood pressure, pulse

Blood sample

Cholesterol, blood sugar, liver and kidney function, nicotine, some drugs

Urine sample

Nicotine, protein, drugs, kidney function

Health questionnaire

Conditions, medications, doctors, family history

EKG

Heart rhythm; mainly for older applicants or large policies

How Do You Prepare for the Exam?

Schedule it in the morning. Insurers often ask you to fast for 8 to 12 hours; confirm with the examiner.
Skip caffeine and nicotine beforehand, and avoid alcohol and hard exercise the day before.
Drink water so the blood draw is easier.
Have your ID, a list of medications and doses, and your doctors' names and contact details ready.
If you have white-coat high blood pressure, say so and ask for a second reading after sitting quietly.

What Do Insurers Check Besides the Exam?

With your authorization, insurers also review your prescription history, your Medical Information Bureau file, your driving record and sometimes an attending physician statement from your doctor. These are why honest answers matter: discrepancies can delay approval or lead to a denied claim within the two-year contestability period.

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Can You Skip the Medical Exam?

Often, yes. Accelerated underwriting uses data instead of an exam and offers full-underwriting prices to applicants who qualify. Simplified issue policies ask health questions but skip the exam. Guaranteed issue asks nothing, but it pays a reduced benefit in the first two to three years. The details are in no medical exam life insurance. If you're healthy, taking the exam can earn a better rate class and lower life insurance cost.

How Do Medical Exams Work in Connecticut?

Paramedical companies serve the whole state, so examiners can meet you at home anywhere in Connecticut, usually within a few days. The insurer pays for it. You can ask the insurer for a copy of your lab results, which some people find useful for their own doctor.

Questions People Ask

Does the Life Insurance Medical Exam Test for Drugs?

Yes. Blood and urine are commonly screened for nicotine and certain drugs.

What If My Results Come Back High?

You may be offered a lower rate class, a table rating or a postponement. If a reading was unusual, ask whether the insurer will reconsider after a retest.