When you apply for a life insurance policy, the life insurance company will nearly always check your driving record, pharmacy record, and MIB, even if you are applying for a policy that does not require a life insurance exam. They are checking for a suspended license, numerous traffic tickets, DUI's, medications, and past health conditions the showed up when you applied for insurance in the past.
If you are required to take a life insurance exam, they will check your blood and urine for HIV, diabetes, cholesterol, liver disease, other health conditions, and the presence of nicotine or drug metabolites.
They will also weigh and measure you, take your blood pressure and pulse, and depending on your age and amount you apply for, may check for heart disease through use of a resting EKG or stress test.
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If you are required to take a life insurance exam, they will check your blood and urine for HIV, diabetes, cholesterol, liver disease, other health conditions, and the presence of nicotine or drug metabolites.
They will also weigh and measure you, take your blood pressure and pulse, and depending on your age and amount you apply for, may check for heart disease through use of a resting EKG or stress test.