There are several things a life insurance tests an applicant for life insurance, such as, tobacco/nicotine, HIV/AIDS, STD's, illegal drugs, prescription medication, high cholesterol, high protein levels, diabetes, emphysema, etc.
The life insurance company test you for these risk factors because they may indicate a heath problem, and issues that may shorten your life expectancy. The shorter your life span, the higher a risk you are for life insurance.
If you test positive for any of the above, you may be declined for life insurance, or the insurer may increase the cost of your life insurance, or lower the amount of life insurance they offer to you.
Here are some life insurance medical exam tips to help you understand what to expect with your exam, and how to prepare in order to get the best results.