When you apply for a life insurance policy, the life insurance company will usually check your driving record, pharmacy record, and Medical Information Bureau, even if you are applying for a life insurance policy that does not require a life insurance examination.
The insurance company is checking for a suspended license, numerous traffic tickets, DUI's, any medications you may be taking, and past health issues that showed up when you applied for any life insurance policies in the past.
If you are required to take a life insurance medical exam, they will check your blood and urine for HIV/AIDS, diabetes, high cholesterol, liver disease, other health conditions, and the presence of nicotine or drug metabolites. They may check for marijuana, cocaine, methamphetamine, and other legal or illegal drugs in your system.
They will also weigh and measure you, take your blood pressure and pulse, and depending on your age and amount of life insurance you apply for, may check for heart disease through use of a resting EKG or stress test.
In addition, they may ask health questions you already answered when you applied online for your life insurance policy to verify the truth of your answers, as well as, check medical records to confirm your answers on the application.
Here's how you can apply online for life insurance with no health exam required.
The insurance company is checking for a suspended license, numerous traffic tickets, DUI's, any medications you may be taking, and past health issues that showed up when you applied for any life insurance policies in the past.
If you are required to take a life insurance medical exam, they will check your blood and urine for HIV/AIDS, diabetes, high cholesterol, liver disease, other health conditions, and the presence of nicotine or drug metabolites. They may check for marijuana, cocaine, methamphetamine, and other legal or illegal drugs in your system.
They will also weigh and measure you, take your blood pressure and pulse, and depending on your age and amount of life insurance you apply for, may check for heart disease through use of a resting EKG or stress test.
In addition, they may ask health questions you already answered when you applied online for your life insurance policy to verify the truth of your answers, as well as, check medical records to confirm your answers on the application.
Here's how you can apply online for life insurance with no health exam required.
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