Who conducts the Medical or Physical Examination for life insurance?

The correct answer is that a licensed professional conducts the Medical or Physical Examination for life insurance. This is essential because life insurance companies require an assessment of an applicant’s health to determine the risk involved in insuring them. A licensed professional, such as a nurse or physician, is trained to perform physical exams and relevant tests, ensuring the evaluation is thorough and adheres to medical standards. This expert assessment helps the insurance company make informed decisions about coverage and premiums.

While other individuals, such as the insurance agent or underwriter, may play roles in the overall process of obtaining life insurance, they do not conduct these examinations themselves. The agent typically facilitates the application, while the underwriter assesses the risk based on the information gathered, including the results of the medical examination. The applicant's physician may provide medical records or insights regarding the health of the applicant, but they are not responsible for carrying out the standardized examination specifically for the insurance purpose. Thus, the involvement of a licensed professional ensures that the medical evaluation is conducted efficiently and accurately.