What Does Life Insurance Medical Exam Look For? 
The life insurance medical exam is simply looking for clues as to how to rate/set the premium for your policy . Life insurance charges are determined partly by how long it will be before the death benefit is paid out . If you statistically have many years of life left , based on your health and other risk factors , your rate will be lower . The life insurance medical exam tests for evidence of certain health conditions , smoking , and drug use ... all risk factors that help determine how long you may live . 