Insure4USA.com Discusses Why Life Insurance Companies Love Medical Tests

Dec. 9, 2011 - PRLog -- Every individual seeks to lower the cost of life insurance premiums, which with the rising costs of healthcare seem to climb higher as well. One of the important factors in the process of procuring life insurance are blood and urine tests that insurance providers insist on prior to offering a policy to a potential applicant. In a recent article by Insure4USA.com, a leading online insurance service in the US, the company highlights the importance of these tests and their impact on life insurance premiums.

When asked the reason why insurance companies are eager to have every applicant produce blood and urine test results prior to offer a quote, David, manager of Insure4USA.com said, "After all, insurance is a business and providers definitely want to classify individuals based on their health condition. Negative test results could indicate higher medical bills in the future, which only lead to higher life insurance premiums. These tests can indicate the risk of diabetes, high cholesterol, blood pressure, heart diseases, and even the possibility of long term illnesses. All these are an indicator of higher medical bills, which most life insurance providers will want to consider carefully before determining a person's eligibility or premium that could be offered. So, a person's health condition is a major factor. There is no escape from that."

The article highlights the importance of leading a healthy lifestyle in order to achieve positive results in medical checks conducted for the purpose of life insurance. The better the test results, the better the chances of lowering your life insurance premium. David adds, "Insurance companies have the right to reject applications based on these medical tests. Those who may consider high risk customers will definitely be looking at raising the premium significantly. Depending on an applicant's medical test results the insurance company will decide how much a risk factor the person really is and will only offer a quote once they have scrutinized every aspect. Customers ought to take this as a positive step towards cheaper life insurance costs rather than look at the entire process apprehensively."

Insurance companies vary in their policies on medical tests. However, the article by Insure4USA.com emphasizes the fact that some insurance providers who may not insist on these tests are not likely to offer the lowest rate to applicants. The key is to have an open mind when it comes to medical tests and reap the benefits of lower life insurance premiums in the long run.

See Insure4USA.com article http://www.insure4usa.com/why-life-insurance-companies-ta...

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About Insure4USA.com

Insure4USA.com is an online marketplace that allows consumers compare insurance quotes for any types of insurance protection.

Insure4USA.com is a one-stop resource of information on insurance. To know more on them, check website http://www.insure4usa.com