What’s the point of a medical?
Your life insurance premium is dependent on multiple factors, such as your overall health and whether you or your family have any history of medical conditions (past or present).
Having a medical or getting hold of a doctor’s report means that your insurance provider can assess your application in more detail, and give you an accurate premium based on your individual circumstances and lifestyle. The insurance provider will cover the cost of a medical and it will take place somewhere convenient to you.
If you do need a medical, don’t worry about it. A doctor or nurse will check your weight, height, calculate your BMI and take your blood pressure. Depending on the insurance provider, you might be asked for a more accurate assessment of your health, which could include further tests.