Insurance Medical Tests: How To Pass

Most traditional 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.

An example may be something as common as high blood pressure.  Clients with High Blood Pressure may be rated or denied coverage if there blood pressure is not well controlled; whereas clients with High Blood Pressure that is well controlled can obtain standard rates.

The difference in premiums can be staggering so knowing how to obtain the best results on your medical tests is crucial.

You Can't Lie But You Can Prepare

Just breathe by chintermeyer
Just breathe by chintermeyer

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!

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4 Comments

  1. Jason 06/21/2013 at 9:27 am

    What medical tests would my mother need to pass, she is 62 thinking $100,000. She is diabetic

  2. LSM Insurance 06/21/2013 at 1:28 pm

    This would depend on the carrier. For a traditional plan she would likely be looking at a urine sample and blood test. She could also look at Simplified Issue life insurance which do not have a medical tests – just health questions.

  3. THL 11/04/2013 at 1:46 pm

    Do any of CPP life insurance plans have medical tests

  4. LSM Insurance 11/04/2013 at 2:00 pm

    They do not have medical tests but they do have health questions. The more questions you can answer “no” the better the plan you qualify for.

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