How does a life insurance company evaluate my health when underwriting my life insurance application?
There are three elements to the evaluation of your health when underwriting a life insurance application. 1. The health questions you answer on the application form itself. It is very important that you answer these questions fully and accurately in order for the life insurance company to have complete information. Our experience tells us that clients receive the best offer when the insurance company receives complete information. If information is withheld or inaccurate information is given, the offer the insurance company can give you will tend to be less favorable. 2. A routine physical. If the amount of insurance coverage you are applying for requires a physical exam performed by a medical professional at your convenience in the privacy of your home or office, this is another way the insurance company receives information about your health. Items such as pulse, blood pressure, height and weight and information received through urinalysis, etc. are covered. The physical exam is simp
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- How does a life insurance company evaluate my health when underwriting my life insurance application?
