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Many insurance companies require a medical examination before issuing a life insurance policy. The objective is to ensure that the policy holder is in good health so the insurance company won't have to pay a life insurance claim soon. Many insurance medical examinations can be done by the individual's own doctor; however some insurance companies have their own physicians and medical technicians who are hired to perform examinations specifically for that insurance company. Some of them will even come to the client's home with all of their supplies in order to conduct the insurance medical examination or take blood samples for testing in a setting that is comfortable for the client.

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