When you apply for individual life insurance, you provide answers to detailed medical and lifestyle questions. These answers provide insurance companies with an idea of your overall health. Based on your responses, insurance companies may ask for additional medical information or tests prior to considering your application for coverage.
The cost of a life insurance policy takes into account your age, height, weight, medical history, occupation, driving record, your family health history and other personal habits like smoking. Maintaining a healthy weight, practicing good health habits and seeking regular medical care can be important in lowering your insurance costs. Health and lifestyle information gathered by the insurance company is used to determine whether you get coverage, as well as the premium you are charged.
Source : Mass Division of Insurance
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