What is the qualifying exam like?

They will take a blood sample, a urine sample, ask medical questions, and measure your blood pressure, height, and weight. They may possibly want a resting EKG (especially for older clients or higher amounts.) For each new policy, you get a new physical.

Note: They DO contact people’s doctors. They are sent a form the client has signed, giving permission for their doctor to send their medical records to the insurance company. This is called the APS, or Attending Physician Statement, and the Doctor’s office is paid for it by the insurance company. This is a non-negotiable requirement.