人壽保險期間發生什麼？
人壽保險期間發生什麼？
 The exact tests that are required for an exam a person will take will depend on several factors - their age, the amount of coverage they're applying for, and the carrier they're applying to. Each carrier has their own underwriting guidelines so some may have different exam requirements than others. For middle aged individuals, you will most commonly see an exam consist of 3 parts: 1) Paramedical exam - checking your height/weight, your pulse, and going through the medical questions 2) Blood Test 3) Urine Test If you're an older individuals (e.g. age 55), some carriers may also ask for an EKG to be completed with the other exam requirements. If you're a senior (e.g. age 70), some carriers may ask you to complete a mature assessment (congnitive and physical movement testing - e.g. memory tests, walk a distance, etc.). Exams typically take no more than a half hour or so and can be completed in the privacy of your own home (some people prefer their work place which is also acceptable). You don't have to go to a doctor's office or a clinic to have the exams done. One recommendation is know which carrier and which of their programs you are going to apply for. You don't want to take an exam before completing the application process because if you apply to another carrier than you may have originally intended, you may have to complete extra testing because that 2nd carrier may have more markers they check for (therefore extra exam requirements/tests) than the other carrier. Ideally, you want to have everything in order and make sure it's right so you only have to do it once. Please feel free to contact me if you have any other questions. Thanks very much.
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