3 doctors weighed in:

How is a medical exam used by the insurance company?

3 doctors weighed in
Dr. Andrew Turrisi
Radiation Oncology
2 doctors agree

In brief: Insurers are in the

Business of collecting premiums and paying as few claims as possible.
Some ask a few questions, deferring an exam, many want not only historical data, an exam, but urine and blood work. If they do not see what they like, you wll not be offered a policy. It is easy to shop. Even if you are not truthful, for life insurance the policy is vaid if you live one or 2 years.

In brief: Insurers are in the

Business of collecting premiums and paying as few claims as possible.
Some ask a few questions, deferring an exam, many want not only historical data, an exam, but urine and blood work. If they do not see what they like, you wll not be offered a policy. It is easy to shop. Even if you are not truthful, for life insurance the policy is vaid if you live one or 2 years.
Dr. Andrew Turrisi
Dr. Andrew Turrisi
Thank
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