买了很多人寿保险, you’re required to have a medical exam as part of the application process. That’s because your personal health status is one of the key factors used to determine how much you’ll pay for your policy. 如果你仔细想想，这是有道理的. If you’re in perfect health, 你活得长寿的几率要比与你同龄但健康状况不佳的人大得多, 你应该得到低保费的奖励. 相反, someone in poor health should be required to pay more than you because there’s a greater chance, 统计, 保险公司将会赔偿那个人. 这些检查通常不会超过20分钟，由上门或办公室的辅助医疗公司进行, at a time that’s convenient for you.