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The third step in the life insurance application process is the life insurance medical exam.  After you know with which company you’d like to apply and have filled out the life insurance application for that company, then you need to take the life insurance medical exam.  This exam is a basic exam that includes a questionaire, urine sample, and blood sample.  The examiner will also measure your height and weight and check your blood pressure.

Life insurance companies will determine your rates based on the results of the life insurance medical exam.  That’s why it’s so important to get good results on the exam.  Here is a good article on how to get better results (and thus better life insurance rates) when taking the life insurance medical exam.