By using medical tests are insurers trying to eliminate any applicants that are likely to develop a serious health condition in the future?

Medical tests provide accurate, current information about an applicant’s health that enable insurers to charge premiums that reflect the level of risk an applicant represents.

Because some health conditions are easily managed through proper medication, therapy or lifestyle changes, medical information makes it possible for insurers to cover applicants with certain health conditions.

More serious or incurable conditions present present a very significant risk that some insurers simply may not want to assume.

Learn more about life insurance medical exams and how they work.