If you lie about nicotine use on life insurance your application for life insurance can be canceled or or denied if they discover you lied.
Also if you die during the contestability period of the life insurance policy then the insurance company may even withhold or reduce your death benefit from your beneficiaries.
The contestability period for life insurance is often the first 2 years after the life insurance policy was issued.
You can even face legal consequences for insurance fraud so it's never a good idea to lie about nicotine use or anything else on a life insurance policy.
You can also be denied life insurance because of a preexisting health condition.
Things that disqualifies you from a life insurance policy are having medical conditions such as cancer, heart disease, kidney disease, COPD, high blood pressure, diabetes, stroke, liver disease and taking illegal drugs.
Having some severe mental health conditions can also disqualify you from being approved for a life insurance policy.
The medical conditions that life insurance companies check for are cholesterol levels, chronic health conditions, heart disease, diabetes, kidney disease, liver disease, blood pressure, weight and BMI, overall health status, tobacco and alcohol use, illegal drug use and other lifestyle factors.
The medical conditions that can disqualify you for life insurance are asthma, cancer, diabetes, kidney disease, high blood pressure and sometimes heart disease.
life insurance verifies your health through a medical exam where you see a doctor that the life insurance company sets up a doctors appointment with a doctor they choose or they send a doctor to your house for the exam.
Your own doctor cannot perform the life insurance medical exam and it has to be one that the life insurance company uses.
Most insurance companies do not allow you to use your own health care provider.
The doctor or healthcare provider will often come to your home to perform the exam unless they cannot get one to come to your home then you would go to a doctors office.
In urine tests the doctors for life insurance test the urine for illegal drugs like opiates, amphetamines, cocaine, nicotine, cotinine.
Testing positive for drugs can result in denial of coverage or a higher premium for life insurance.
The urine tests for life insurance also tests for kidney function, diabetes and urinary tract infections.
A high level of urea nitrogen in a blood test can also indicate a kidney issue or disorder but can also be a result of diuretic medications or lots of exercise.
In a life insurance medical exam the things they test for include your height, weight, blood pressure, pulse rate, cholesterol levels, blood sugar levels, nicotine use, heart disease and other potential diseases.
The blood and urine samples are done for a life insurance medical exam to test for your blood sugar, nicotine use, cholesterol levels and other diseases.
An EKG test will also be done during a life insurance medical exam to test your heart and you also may be asked to fill out a questionnaire about your health history and lifestyle habits as well as any current prescriptions you take.
Having conditions like diabetes and kidney disease and heart disease can make it more difficult to get life insurance.
For most life insurance policies you do have to see a doctor to get life insurance.
However some life insurance policies don't require a doctors visit or medical exam to get the life insurance but it depends on the life insurance company and policy.
Group life insurance through your employer is a type of life insurance that doesn't require a doctors visit or medical exam, although the life insurance coverage will be often limited.
When you apply for most types of life insurance, you'll be required to provide information about your medical history, gender, height, weight and age.
The medical exam for a life insurance policy will often include.
Checking your blood pressure, heart rate, weight and height.
Taking blood and or urine samples.
And performing an electrocardiogram or EKG or a treadmill test if you're an older person.
Failing the medical exam can cause you to be denied for life insurance as you are considered high risk if you're not in good health.
Having current health conditions such as obesity, diabetes heart disease, liver disease, kidney disease or other diseases can cause you to be denied for health insurance.
Your cost of life insurance premiums also vary based on your health, gender, age and the type of life insurance policy you get.
If you're employed you may be able to get workers group life insurance plans at little to no cost to you and often no medical exam is required to sign up for those policies.
Although the coverage under workers group life insurance is often basic and may not always be enough to care for a spouse or children in the long term in the even you were to die.