Most life insurance companies require a medical examination and administer a questionnaire. Underwriters take all the information gathered to determine the rates of an individual policy.

Medical examinations typically include:
-Blood pressure
-Cholesterol Readings
-Height and Weight
-Urine sample

Some of the questions include:
-Health and medical history
-Family medical history
-Personal driving record
-Use of tobacco
-Substance or alcohol abuse
-Aviation use
-Hazardous activities
-Residency/Citizenship

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