What will my exam for an insurance policy be like?

I have an exam for an insurance policy coming up in a few hours. Not sure what to expect too much, fasting isn't required, I'm supposed to refrain from caffeine and exercise, and expect an electrocardiogram. Think my clothes will stay on? Any probing?

Patients not quite knowing what to expect is one of the best elements of exams for me :-) Even though I’m sure you’ve got a better idea than most being part of this community, the anticipation of whether or not you’ll have to drop your underwear and exactly what might be inspected or probed is still there.

Whatever happens, I hope it goes well and that you might want to share it with us when it’s over.

You’d definitely need to be shirtless and likely trousers off for the ECG. The doctor will also prod and poke your torso (palpation) and check reflexes. But at a guess, given the age on your profile and assuming it’s life or health insurance, I’d say underwear off too, a good feel of everything around the front, and a DRE looking for any enlargement/masses around the back. I guess some physicians may use a PSA blood test for that. Perhaps a urine sample too but I’m sure you’d have privacy there.

I think it varies depending on the preferences of an insurance company. I had two; both were very different. One involved a nurse doing a brief exam in my work office, which was private, that included my providing a urine sample and submitting to a basic screening: temp; bp, heart and lungs and blush a DRE. The other exam involved going to a clinic and it was more of a complete exam having me provide a supervised urine and then strip naked into a gown.

So, all in all pretty tame. Blood and urine, height, weight, bp, and an extensive question list. After that a quick EKG that did require me to be shirtless. Shoes off for weight, shirt for EKG, all in all an extremely modest physical.

@Jason_U

Real examinations are for your health, not for your excitement. Don't misuse medical professionals.

Medical Fetish examination is for your excitement. Have that with someone.

@Forumtester Agree, apologies if i made it seem otherwise.

I have had 2 of these physicals. I detail one of them in my blog.

I have stories in the library that plays on this concept where the applicant has to submit to the examiner's instructions if he wants to be approved for the insurance.

This is my favorite role play scenario.

An actual life insurance exam is a risk assessment for the actuaries. They want to know family history, medications, past and current health issues, your driving background (they check), urine ck (aka a drug test), tobacco habits, activities (like mountain climbing, sky diving, flying), travel out of the country, etc. Oh yeah, BP, ht and weight, EKG, and other tests if warranted. They aren’t checking your health for your benefit, only to assess whether or not to insure you and whether they should add additional cost to your policy should they decide to insure you.

Look at the form. That should give you insight.

Can’t wait to hear about your experience

It depends on the amount of coverage the applicant wants. The last one I had a nurse came to my home listened to my heart, checked the pressure and weight. I gave her a urine specimen and that was it. It took less than half an hour.