Medical Examination

Usually conducted by a licensed para-med. The medical report is part of the application, becomes part of the policy contract and is attached to the policy. A "non-medical" is a short-form medical report filled out by the agent. Various company rules, such as amount of insurance applied for or already in force; applicant's age, sex, past physical history; data revealed by inspection report, etc., determine whether the application will be accepted on "medical" or "non-medical." basis

See Also: Preferred Risk; Rider; Smoker Ratings; Term Insurance; Whole Life Insurance;

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