For many, getting life insurance itself can be a scary thing, but it’s not about paying premiums.   As cover can at times, be funded by super, this sometimes isn’t even an issue! The idea of preparing for not being here any more, isn’t very fun however.
Most understand that protecting their family, should the unexpected happen, is an incredibly important thing to do. For some, the potential of looming medical tests may be frightening.
But firstly, not everyone needs a medical! It mostly depends on how much insurance cover is applied for.   All companies have a ‘non-medical limit’: that is, if the amount of insurance you’re applying for is under their limit, you won’t need a medical at all. If you want to be insured for a sum that is over that limit, you will be told you require a medical at application time.

A bit more on the test itself…  A lot of people think it could be a brutal test, specifically designed to lose undesirables.

In reality, it’s similar to a standard check-up at your doctor’s office can be less stressful when done in your own home.

The medical is used to find underlying conditions that may shorten your life or adversely affect your health and will generally consist of:

• a blood test to check for health conditions (often called an MBA20)
  
• a urine test (affectionately alluded to as the Pee Pot test)
• blood pressure measurements, (lose the Lab Coat freak out!) and
• in some instances, an ECG to measure heart rate.

Your usual GP can often get a copy of your results if you request these.
One thing’s for sure, you don’t need to have the body of an athlete to get life cover. And more importantly, you won’t need to worry about being denied a claim  because of your health at a later date if you get all the tests done when you apply.  And beyond life cover protection, it’s nice to know how you’re doing in general – and at the cost of the insurer.