Reader’s Question:

Can you walk me through the medical examination that I need to take when I apply for life insurance in Honolulu Hawaii?

Madeline

Honolulu, HI

Thank you Madeline, I’d be very glad to. When you apply for life insurance in Hawaii, you will be asked to fill up an application form and answer several questions regarding your health. If you are applying for a huge amount, say $100,000 and above, you will be asked to take a medical exam, paid for and managed by the insurance company. By the way, the questions on the application form will be similar to what you’d see if you try to get online quotes from this site. You can go immediately ahead and take a look at them, if you want to.

The medical exam is similar to any other physical examination. You will also be asked to provide stool and urine sample, as well as blood sample. If you don’t like needles, you better prepare yourself for this so that your blood pressure will not be high on that day. If you happen to have your menstruation period on the date of your examination, better inform your insurers so that they can reschedule it. Do not be embarrassed to tell them your condition – remember that your life insurance premiums, and whether or not they will insure you, depend on this very important medical examination.

It is also imperative for you to be honest about your health history. You might want to review it yourself prior to meeting with your insurer in Hawaii.  so that the medical exam will be a breeze. It will be administered by a qualified professional appointed by the insurance company. It is not intrusive and you should tell the doctor or the nurse if you are feeling any discomfort.