Increase the sum assured for IPB and MPI to more than 10% of the original benefit. This is short questionnaire that is sent to your client’s GP instead of a General Practitioner’s Report. Increase the sum assured by more than £30,000. Drinking and smoking habits, height and weight, blood pressure. Our study guide is filled with the type of content and sample questions that will be found on the Life and Health exam, and our flashcards help you study through the use of repetition. The medical professional who will come and do the tests will bring a kit with them to collect samples from you. Qualifications to receive a License: Individuals who wish to obtain an insurance license in the State of Maryland: 1. The report covers: The report can be requested either as part of the age sum assured evidence or due to medical disclosures made by your client. Full Blood Count (FBC) - analyse the constituents of the blood. However, if we cannot obtain the information within this time period at the end of the 60 days the policy will be cancelled. Cardiovascular – Body Mass Index (BMI), blood pressure (BP), cholesterol, diabetes and impaired glucose tolerance, Lifestyle - alcohol, smoking and drug use, Recent referrals for further investigations. We may record and monitor calls. It’s important that the client checks the information thoroughly and makes any amends if necessary. We use this evidence to make sure we apply the correct terms, based on complete and accurate information, at the application stage. 1. For example, at their place of work or at home. Browse our articles and read more about life insurance. If the idea of undergoing a physical examination makes you uncomfortable, guaranteed issue whole life insurance provides a way to apply for coverage without having to take an exam. However sometimes a medical examination is required to help us assess your application and to provide you with an accurate quote. Legal and General has a strong foothold in financial services, such as mortgages, annuities, general insurance, and life insurance. Non-fasting Blood Profile (NFBP) - a blood profile that includes all the tests below. Call charges will vary. Moreover, the results of the medical exam can assist an applicant in securing affordable life insurance. Any relevant past medical history, including details of any investigations that were undertaken. The cotinine test is performed as part of the urinalysis or as a saliva test during an examination (Health Check Nurse/Doctor). The current health of your client, including any treatment that has been prescribed, any outstanding investigations and any certified time off work. Health Check Doctor (Also known as a Medical Examination Report [MER]) This is a report based on a medical examination completed by your client’s GP or an independent doctor provided by a third party. Automatic evidence also protects your client if they need to claim, as any increased risk factors at the time of applying are identified and factored in to the cost of their cover. We use a variety of ways to collect information, so we get the full picture about your client’s circumstances. To secure the fairest terms for your client it’s essential this information is as complete and accurate as possible. Kidney or liver disorder You will also be sent an email, to keep you updated with progress. If you die because of a medical condition that you didn’t tell us about when applying, then your insurance policy could be cancelled and not paid out in the event of a claim. Investment but the 20% copayment restriction. Amendments can potentially cause the terms to change, which may delay the application going on risk. Discover how life insurance companies obtain your health history. Lipids - used to calculate the cholesterol level in the blood. They include all possible amendments that have been made since the application was submitted. Legal & General over 50s life insurance “Legal & General” offers people over 50s life insurance plan without asking them to undergo a medical check up. A DOH will also be required if your client wants to: When we ask for information to help with underwriting your client’s application, we will ask for one or more of the following documents. The exam takes about 20 minutes to thoroughly review your medical history verbally with the representative who will come to do the exam. For the majority of cases no medical is required if you are in good health and you'll be offered cover on our standard life insurance terms. Medical Examination? In order to obtain a life and health insurance license, individuals must take and successfully pass an exam that is offered by the state licensing boards. Immune system stimulant to counteract these harmful occurrences. Why? The older you are the higher the basic premium tends to be, so it can make sense to take out life insurance at a young age. It depends on the individual, their circumstances, and the amount of cover applied for but in our experience, a medical examination is not always required. Information collected during the screening includes: To enable us to use this form of evidence, your client must supply a telephone number so that the nurse can contact them to arrange the appointment. Please make sure answers are precise and accurate so we can get your client on risk as soon as possible. When the requested policy start date is beyond the validity date. An affordable life insurance option made simple - no medical exam, no health questions, and acceptance is guaranteed between the ages of 50 - 80. This is a form that allows your client to provide information about existing cover, earnings, net worth and last year's profits (for Key Person cover). No formal education or experience is required to become a licensed life and health insurance agent. Minnesota, Oregon, and Wyoming are the only states with a passing rate of 75% or higher on the Life & Health Insurance exam. Cotinine test (if your client is a non-smoker) - this is sometimes performed as a saliva test or sometimes as part of the urinalysis. Information collected during the examination includes: This test is always performed using a blood sample. An ECG is normally requested as part of larger age sum assured evidence. What do they test for? To reduce the chance of this happening, please double check the following before submitting the application form: If there are any amends, an underwriter will review these and depending on the stage of the application there may be: No change to the decision - a letter is issued to the client thanking them for the information and that there is no change to the decision. For the majority of cases no medical is required if you are in good health and you'll be offered cover on our standard life insurance terms. In 2026, the demand for insurance agents is expected to have grown by 10%. Mometrix Test Preparation offers both a study guide and flashcards to those preparing for the Life and Health exam. However sometimes a medical examination is required to help us assess your application and to provide you with an accurate quote. Some traditional life insurance policies require an applicant to undergo a physical examination performed by a medical professional, and the results of that test can play a major role in calculating policy rates or even in approving coverage at all. Need of a License: An individual who is acting as an agent or producer needs a license to sell life and health insurance in Maryland. TMI can also be required for age sum assured purposes. This is a report based on a screening performed by a nurse at a convenient place for your client. These are based on your client’s medical records. Monday to Friday 10 - 5pm. If your client has disclosed a medical condition on their application form, we may need to contact them for more information. Renal Function Test (RFT) - used to analyse the functioning of the kidneys. Start studying WFG License Exam (Life, Insurance, Accident). Call charges will vary. Choice of either Critical Illness Cover, or Critical Illness Extra, for those who want a little extra protection. Client and possibly an independent third party. New decision made - if the application has been authorised it will be reissued with the new terms. Lines close 1pm – 2pm.We may record and monitor calls. If the case has been authorised, we will send a letter to the client to tell them that we require further information and that we will maintain cover for 60 days whilst we carry out this review. If you need to schedule an insurance examination or request a copy of your examination score report contact PSI via their website (www.psiexams.com) or call them at 855-205-5825. This is a monthly renewable policy with premiums and benefits escalating by 10% annually. Glycosylated Haemoglobin (HbA1c) - provides a longer-term trend, similar to average, of how high the blood sugar has been over a period of time. You will have the option to take your exam at any of the 10 established test centers or find out if … Cotinine is a chemical that is made by the body from nicotine and is an indicator that nicotine has been inhaled or otherwise introduced into the body. Your client can talk freely and in confidence to a trained member of staff who has an understanding about the nature of the medical condition and knows what information is required to underwrite the policy. IRDAI insurance agent can represent one life insurance Company and one non-life insurance company and can also represent one standalone health insurance Company (SAHI Company). For more information see ‘What happens during a telemedical interview (TMI)’ below. The report covers: Health Check Nurse –Full Screening (Also known as a Nurse Screening Examination [NSE]), Health Check Nurse –Mini Screening (Also known as a Nurse Screening Examination [NSE]), Health Check Doctor (Also known as a Medical Examination Report [MER]). The premium we quote you is affected by a number of factors. A DOH is only valid for two months from the date the client signs the form. After this period, a DOH can be used to extend the validity of the application, provided the application date is less than 12 months old. With the health insurance for self funded plans differ from medicare? A financial questionnaire that provides information about income, concurrent and existing cover and details relevant to your client’s business needs. Life & Health Insurance Exam. It's vitally important that you answer all the questions as accurately as possible when applying. If your client is a certain age or requests a certain level of cover, we will automatically ask for some types of medical evidence from them, even if they have no known medical conditions. We hope the information below will make it clearer. If the application has not been authorised the new terms are applied, and a new offer letter issued. To prepare for your licensing exam, use the full-length Life & Health Insurance Agent Practice Exam with answers fully explained for ideal study. It is requested when a non-smoking client is required to undergo an examination either as part of age sum assured evidence or due to a medical disclosure that is made by your client. Extended the policy term by more than five years. If you are at high risk or your tests show signs of problems (greater the risk), your monthly premium rates will be higher. Medical Underwriting Technical Advice Line - 0370 333 3699. The test is required as part of age sum assured evidence or based on your client’s answers to application questions. This will be by text, email and letter. IC 38 Mock Test We work out the cost of your client’s cover based on the information they provide during the application process and any additional information we request from them. The test is performed during exercise using a treadmill or bicycle. Who Grants a License: Licenses are granted by the Maryland Insurance Administration. Customers are often unsure if a medical examination is required when applying for life insurance, and why it could be important. The insurance companies need you to complete a medical examination to determine how much of a risk you are to them if the give you life cover. Please read our HIV Policy for more details. The test is able to distinguish between passive and active smoking. A. A financial questionnaire that provides information about your client’s income, concurrent and existing cover and details relevant to their personal needs. Whilst applying you'll need to provide certain information so it's a good idea to have the following to hand: How do life insurance companies obtain medical records after death? Increase the sum assured by more than 10% of the original sum for Life and CIC policies. Clients can add Critical Illness Cover for an additional cost at the outset for extra peace of mind. 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