What medical tests does an insurance carrier do to qualify me for life insurance?

A licensed paramedic or medical doctor will take a blood test, urine specimen, blood pressure reading, height and weight measurement, occasionally an EKG, and will ask a series of questions about your health history i.e. "Is there any history of diabetes in your family". Ask us for information about preparing for your medical history.

Over the years our customers have asked us particular insurance questions. We have put these altogether to help you make intelligent buying decisions.

• How long have you been in the life insurance business?
• Can I pay the insurance premiums monthly if I want to?
• If my spouse and I apply for life insurance together, is there a discount?
• Do your carriers' policies have a children's rider?
• Do I have to be a U.S. resident to buy term life insurance coverage? 
• Do I need to have a medical exam to apply for life insurance?
• What medical tests does an insurance carrier do to qualify me for life insurance?
• Is it possible to qualify for life insurance if I have poor health?
• When I apply for an Insurance Quote how do I know if I am "standard", "preferred", or "preferred-plus"?
• When What is level premium guarantee?
• When I apply for an insurance quote what is the best way to answer the 'Tobacco User' question?
• If I smoke cigarettes will it affect my insurance premium?
• How does other tobacco use affect my insurance premium?
• I would like to obtain term life insurance as fast as possible. How long does it take the insurance carrier to underwrite my coverage?
• What is the insurance process?
• Can anyone qualify for preferred rate insurance? 
• I am a private pilot and need life insurance. How do I answer the private pilot question?
• Who buys term life insurance?
• I've heard that I should reapply for my term insurance because insurance rates have fallen so much over the last few years?
• I have heard that Life Insurance Premiums are falling all the time. I would like to buy my insurance from a different Life Insurance company. Is there any reason why I shouldn't change my insurance policy? 
• What is decreasing term insurance?
• What is the difference between Universal Life Insurance and Whole Life Insurance? 
• Is universal life insurance or whole life insurance a better financial deal?
• If I am sure I can cover final expenses for my child, why would I want to buy Insurance for my children (or grandchildren?) 
• If I get sick or I'm injured, will the insurance company cancel my insurance policy? 
• What is level premium guarantee?