How do I qualify?
It depends on the policy you wish to buy. Some policies simply require the satisfactory answer to a series of medical questions that will be compared to your medical records. With other policies, a full medical examination will be required. In that case, the medical exam helps pinpoint certain aspects of your health situation to determine your exact rate class.
By getting a clear picture of your health from your life insurance medical exam, the company can place you in the most accurate rate class, which determines what you pay. This can mean lower whole life or term insurance rates. Typically, a simple blood test and urine sample are used to measure cholesterol levels and screen for problems such as diabetes, liver or kidney disorders.