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Once you have decided to purchase a life insurance policy, you may be required to undergo a medical exam. The reason most life insurance companies need these medical exams is to determine the premium to be charged to the policy holder. If your medical exam results indicate that you have a greater risk of dying at an early age, the insurance company will want to collect higher premiums early on in your life. However, if your exam results show that you are in good health, the company will not collect as much from you early on in the policy for the simple reason that you will be around longer and will continue to make premium payments.Life insurance companies use two factors to judge how long a potential policyholder will live. These are Longevity Charts and Medical Exams and History. The mortality rates of people are the statistics found in longevity charts. They indicate to an insurance company, how many men, women, and children die at particular ages and help them determin e the risk involved in accepting you as a policy holder. The second factor is your medical exam and history.Generally, insurance medical exams are carried out by paramedicals. These are licensed health professionals and most often independent contractors, who are hired by the insurance company. They will come to your home or office to conduct the medical exam unless the insurance company will require additional tests then you may be referred to a clinic to complete your medical exam. The questions on a life insurance application are divided into two parts. Part I (or Part A) consists of questions that are usually completed by your agent in your presence, or online by you. Part II (or Part B) is the medical form completed by the paramedical. Once you submit your application for life insurance, your agent or the life insurance company will give the paramedical service all your information and the amount of insurance that you are applying for.As part of your life insurance medi cal exam you will be asked about:

About AccuQuote:AccuQuote is a leader in providing term life quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term life insurance as easy as possible for its customers. Their experienced professionals consistently deliver the most affordable term life insurance rates by comparing thousands of life insurance policies from dozens of top-rated carriers.