When applying for life insurance that is fully underwritten, this is defined as: “…when an expert at determining Insurance carriers’ risk reviews your application.”
There are a couple things to keep in mind:
First, set your nurse’s visit at a place you feel comfortable, and have a good chance of not being disturbed. The examiner will, due in part to the total amount of insurance sought, take your height, weight, blood pressure, a blood and urine sample, and possibly an EKG.
If you smoke, fess up, part of the labs ordered test for nicotine. Failing to disclose relevant information is grounds for denial of coverage, or if this is found to contribute to a cause of death, refusal to pay your beneficiaries.
The nurse, who may be male or female depending on your preference, can and will ask a whole bunch of personal stuff about your health, habits, and even driving record.
If you don’t know about any part of your health history, ASK your internist, and avoid any surprises during the underwriting process. A good Insurance agent will have the skill based on your health answers to usually identify the rate class you will qualify for. Your Insurance rate application is determined by the overall picture of your health. This is much the same as an auto insurer who sets your premium based on your total number of tickets.
The bottom line is that the nurse’s visit is generally a pleasant experience and not to be feared.
