What kind of medical information is looked at when underwriting life insurance? 
Medical history for yourself and immediate family is considered in the underwriting process . Insurance companies are really good at determining a persons mortality rate based on their health , occupation and avocation , and family medical history . So those parameters along with current age are the main factors that determine premium . The extent of medical testing is generally determined by the amount of benefit one is buying . Typically for a $ 200K benefit or less only a small blood and urine sample are taken along with a blood pressure check . Over $ 200K may also include ECG and additional tests . 