What Does Life Insurance Physical Test For?

A life insurance physical examination tests for signs of tobacco use, drug use, and illness.

All these are factors that can cause life insurance to cost you more, or to be declined.

Some of the illnesses they are looking for are diabetes, coronary artery disease, kidney disease, liver disease, and blood diseases. As well as, STD’s, HIV/AIDS, and emphysema, among others.

In order to determine if you are an acceptable risk for life insurance, and the rate to charge for your life insurance coverage, the insurance company reviews your health information and exam to estimate your longevity – how long they expect you to live, which in turn would give an idea of how long you would be paying your life insurance premiums.

Here are some tips for your life insurance medical exam to help you prepare and do well on your exam.