What health questions do life insurance companies ask?


Editorial team Published on

Life insurance companies ask health and medical questions during the application process to evaluate your risk level and determine your premiums.

Common Health and Medical Questions

  • Basic Vitals: Height, weight, and build.
  • Substance Use: Smoking, tobacco use, marijuana, and alcohol consumption.
  • Medical History: Past diagnoses, major illnesses, chronic conditions (like diabetes or stroke), and previous surgeries or procedures.
  • Medications: Current and recent prescription medications.
  • Family History: Hereditary conditions in immediate family members, such as heart disease, cancer, or diabetes.

Lifestyle and Additional Inquiries

  • Occupation and Hobbies: High-risk jobs or dangerous hobbies like skydiving and scuba diving.
  • Driving Record: Recent speeding tickets, traffic violations, or DUIs.
  • Medical Verification: Insurers often cross-reference your answers using the MIB Group database and may request a physical exam with blood and urine tests.