When applying for life insurance, the foundation of the company's underwriting decision on a series of data, including a recent medical treatments, personal history, financial profile, motor vehicle registration and current medical examination. If you are requesting more than $ 1,000,000 of coverage or if you are over 60 years of age, medical requirements will be a little further.
The medical examination usually consists of a number of medical issues, blood pressure readings and pulse, and blood and urine samples. The insurance company will pick up copies of your medical records from your doctors nurse. Additional tests may be requested, most often an electrocardiogram if you have a history of severe heart disease.
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