Most traditional policies require a medical questionnaire or exam as part of the application process to help determine your medical history and overall health. Red flags like high blood sugar, immune disorders, poor organ function or illegal drugs in your system could raise your rates.
A healthy lifestyle means lower rates
Life insurance companies base your rates on the statistics around your health and how long you’re likely to live. You can improve the likelihood of lower insurance rates by maintaining your health and making choices to reduce the risk.