Life insurance companies use two factors to judge how long a potential policyholder will live. These are Longevity Charts and Medical Exams and History. The mortality rates of people are the statistics found in longevity charts. They indicate to an insurance company, how many men, women, and children die at particular ages and help them determine the risk involved in accepting you as a policy holder. The second factor is your medical exam and history.
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Generally, insurance medical exams are carried out by paramedicals. These are licensed health professionals and most often independent contractors, who are hired by the insurance company. They will come to your home or office to conduct the medical exam unless the insurance company will require additional tests then you may be referred to a clinic to complete your medical exam. The questions on a life insurance application are divided into two parts. Part I (or Part A) consists of questions that are usually completed by your agent in your presence, or online by you. Part II (or Part B) is the medical form completed by the paramedical. Once you submit your application for life insurance, your agent or the life insurance company will give the paramedical service all your information and the amount of insurance that you are applying for.

As part of your life insurance medical exam you will be asked about:
• Your personal medical history
• Your family’s medical history
• Contact details of your primary doctor
• Information on your lifestyle habits. It is imperative here not to lie if you smoke, drink, or use recreational drugs. Your exercise regime is also important to your medical status

• What and how much life insurance you are interested in purchasing

The following are the procedures that you can expect during your life insurance medical exam:
• Weight and height measurement
• Measurement of blood pressure and pulse
• Blood work (to check on cholesterol, glucose, protein, and HIV)

• Urinalysis (to check on protein, glucose, creatinine and cocaine)

Keep in mind that exams vary from insurance company to insurance company. If you are older or are applying for a high value policy, you might be required to undergo EKGs, treadmill tests or other assessments. If you live in Europe, you will find that the cost of life insurance varies within each country.

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