Insurance Medical Tests: How To Pass

Standard life insurance policies in Canada come with obligatory medical exams. Certain health conditions carry higher risk of future complications and potential claim. Therefore, insurers offer different premiums to clients with varying health conditions. Good health can save you thousands per year, while certain medical conditions will force you to apply for no medical life insurance.

You Can't Lie But You Can Fight

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You need to understand the basic rule: Don't lie on your medical exams. False statement today can cost you denied claim tomorrow - insurance companies will check!

However, you are not hopeless, even if your health is not bulletproof. Our series of articles is here to help you pass the medical exams smoothly, get the best rate, and - improve your health!

• How To Pass Blood Test. Most insurance applications (almost all with face amount over $250,000) with medical tests include blood tests. What do they test and how can you influence it?
• How To Pass Urine Test. The second most usual exam after blood test; in some cases you can give samples directly to your agent/broker. This test is important for smokers.
• How To Pass Electrocardiogram (ECG) Test. Required for older applicants and for policies with high
• How To Pass Saliva Test. Saliva tests usually substitute blood/urine test for lower face amount policies. However, they shouldn't be underestimated.

New! Test your knowledge in our Medical Exams Insurance Quiz!

Posted by Chantal Marr.

Chantal Marr is a member of the Independent Financial Brokers of Canada.
Much of her success stems from her ability to listen to her clients' needs.
Read Chantal's background.