Life Insurance Medical Exams: What Do Insurers Look for?

So, you’ve decided to sign up for a life insurance plan, and the insurer is asking you a lot of medical questions. Don’t worry, it’s normal. The insurer takes risks to insure you, so they need to know a few things to determine the level of risk you represent. Classic life insurance companies will therefore ask you to pass a medical examination to approve and insure you. The approval usually happens after two steps: a questionnaire and a medical exam. The questionnaire concerns your health, your lifestyle, and your profession. Sounds like a bit much right? You should know that it is possible to buy life insurance without a medical exam online, but we will tell you about it at the end of this article. Concerning the medical exam for life insurance: how does it work? What is the purpose of the medical exam to be approved for life insurance? What does the insurer verify with these medical examination results?