What Does Life Insurance Medical Exam Look For?

  1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    The life insurance medical exam is simply looking for clues as to how to rate/set the premium for your policy. Life insurance charges are determined partly by how long it will be before the death benefit is paid out. If you statistically have many years of life left, based on your health and other risk factors, your rate will be lower. The life insurance medical exam tests for evidence of certain health conditions, smoking, and drug use...all risk factors that help determine how long you may live.
    Answered on February 17, 2014
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