What Do They Check For When Applying For Life Insurance?

When you apply for a life insurance policy, the life insurance company will nearly always check your Medical Information Bureau Records, driving record, pharmacy record, and even if you are applying for a policy that does not require a life insurance medical exam.

The life insurance carrier is checking for a suspended license, numerous traffic tickets, DUI’s, driving accidents, medications, and past health issues that showed up when you applied for a life insurance policy in the past. The M.I.B. keeps all of your medical information you shared with any other life insurance companies, and their results of exams.

If you are required to take a life insurance medical examination they will likely check your blood and urine for HIV, diabetes, high cholesterol, liver disease, other health conditions, and the presence of nicotine or drug metabolites. As well as, check for illegal drugs like marijuana, cocaine, or methamphetamine in your system.

They will also weigh and measure you, take your blood pressure and pulse, and depending on your age and the amount of life insurance you apply for, may check for heart disease through use of a resting EKG or stress test.

Tips for your exam: Make sure you schedule your exam at a time of day that is least stressful for you, do not drink any alcohol or caffeine the day of the exam, do not smoke any cigarettes, do not exercise the day of the exam.

Here are some additional life insurance medical exam tips to help you get the best result on your health exam for your life insurance coverage.