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During the life insurance process you will be required to answer some questions relating to your medical history and health. This is completely normal and is generally used to gauge the risk of insuring you If you happen to have a family history of health issues or you already have an existing medical condition you could be require to pay higher premiums as you will be seen as a greater risk to the life insurance company. Sometimes the insurance company will just write or call your doctor but in certain cases a medical check-up will be required.

The actual exam

Typically medical examinations will take place at your home rather than at a doctor’s office. The questions that you can expect to be asked will be regarding your smoking history, family health problems, and your personal physical health and it is always best to tell the truth. If you do smoke then you can expect your premiums to be more expensive then for a non smoker. This is because you are deemed to be at a greater risk of lung or throat cancer and other associated medical risks. The medical examiner will also wish to weigh you and measure your height to calculate your BMI and check your blood pressure.

Further medical tests

It is possible that in some cases the insurance company will require further tests to be carried out and in this instance they will arrange to have these done. These could include blood or urine tests to help indicate any abnormalities.

After all of the questions and tests have been completed your life insurance company can determine exactly how much your policy will cost.

It is important that you do not lie when asked questions about your medical health. If at a later point you die due to a pre existing medical condition then it is likely that your life insurance policy will become void. In this case your beneficiaries would not get any money at the time of your death.