It is very common policy for life insurance companies to test their potential customers in different ways. The level of tests that you have to go through depends on your age and how much insurance you are looking to purchase.

 

Some of the most common tests by life insurance companies include a blood work, basic physical exam, urine specimen, EKG, and X-ray. If you are looking to buy extremely high amounts of life insurance, they may also want to test treadmill EKG.

 

Some people try to give false information about their medical history to get lower insurance rates. This will not work, the insurance providers will always be able to track down your medical dossiers in one way or another.

 

The medical exams and tests are usually done by the licensed health professionals and they often are independent contractors hired by the insurance company. The tests are very quick the most of time, you will usually get a call in a day or two, so you don’t have to wait for your life insurance test.

 

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