Medical examination
Most traditional policies require a medical questionnaire or exam as part of the application process to help determine your medical history and general health. Red flags like high blood sugar, immune disorders, poor organ function, or illegal drugs in your system can raise your rates.
A healthy lifestyle means lower rates
Life insurance companies base your rates on your health statistics and your life expectancy. You can improve your odds of lower insurance rates by staying healthy and making choices to reduce your risk.
