What Tests Are Run For Life Insurance? 
Great question ! The tests are dependent upon the company , and the amount of insurance that you are wanting , usually . For most smaller policies -LRB- think $ 50,000 and below -RRB- the usual process is answering the health questions on the application , maybe a short phone interview , and the company checking on your medical history -LRB- the MIB authorization that you okay 'd -RRB- and their checking your prescription records . Based upon what they find , they can issue the policy as is , modify or rate the policy -LRB- add a period where your benefit is reduced to premiums paid plus interest , and charge a higher premium to cover for the increased health risk -RRB- , ask for additional records or tests , or deny your coverage . There are policies out there that do not ask any health questions at all , but all are a graded product -LRB- reduced benefit for the grade period -RRB- and generally more expensive than a regular policy . If you would like more help , please feel free to contact me , I 'm happy to help . Thanks for asking ! 