When you are ready to buy life insurance, you should be ready for the intrusive questions your life insurance company will ask you. To give you an idea, we have listed some frequent questions your life insurance company will require you to answer.
What is your family’s medical history?
Life insurance companies typically review the medical history of your family so they can know how to rate your risk level. If your family has a history of heart diseases, cancer or any type of illness, it could increase your risk level.
What is your weight and height?
This question will tell the life insurance company if you are underweight, overweight or have a healthy build.
Do you currently have any medical conditions?
Ensure that you provide truthful and complete details of any medical conditions you have. Lying about this question can cause your life insurance application to be rejected.
Are you on prescriptions?
Your life insurance company will want to know if you are taking any medication to treat yourself. You will also be asked the type of prescription and how effective it is.
Do you smoke tobacco?
There are life insurance rates that are specially for users of tobaccos. Some life insurance companies can however give non-smoker life insurance rates to people who use cigars and e-cigarettes.
Have you ever abused drugs or alcohol?
If your answer is yes, your life insurance company will want to know if you are undergoing therapy to treat yourself. They will also want to know if the treatment is effective or not.
Do you engage in high risk activities?
High risk activities are things like sky diving, bungee jumping, scuba diving, mountain climbing among others. Even though this is not related to your health, they could have an effect on your life insurance rates.