Life insurance companies test for many different health issues when you apply for a life insurance policy.
Your age, health, and amount of life insurance you request will help the insurance company to determine what type of exam you have and what they test for.
For example, a young person under age 30 requesting $50,000 of life insurance may only have a limited exam, while an 55 year old person requesting $1,000,000l of life insurance may require a full physical examination.
If you are applying for life insurance and they ask you if you have had any
illness or been hospitalized and you fail to disclose that information you have
failed to disclose a material fact and that means the life insurance company has a
basis of refusing a future claim or canceling your life insurance policy.
The life insurance company has contestable clause in the policy they issue to you. The clause means if you die within the first two years of being insured, the insurer can contest the payment of any claim based on the findings of their review of how you died, and the information you provided or failed to provide on the application for coverage. If you intentional lie or fail to disclose an illness or health issue when applying for your life insurance, the insurer may have grounds to deny a claim for the death benefit on your policy based on a material misrepresentation.
So, always tell the truth when you apply for life insurance.
Life insurance carriers may test for HIV/AIDS, STD's, illegal drugs, prescription drugs, diabetes, high cholesterol, high protein levels, and other health issues. If you have Hep C you need to disclose this to the life insurance company.
Some life insurance carriers may insure people living with Hep C, but your rate for coverage will be higher than standard rates.
Here's how you can learn more about life insurance for high risk people and request your free life insurance quote comparisons online.
