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0 pointsmgkimsal4y ago0 comments

You often do get tested and rated based on health factors. Maybe not exact diet, but they can surely infer some of that from blood/urine/size/weight/etc. It depends on the insurance company but more likely the size of the policy. I think a lot of $20-$100k policies don't require any tests - they may also be more expensive. I got a decent term 15 years ago, and I had to have an in-home exam from a nurse.

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ecommerceguy4y ago

correct many small polices don't require testing, same for group life policies upto a certain amount of benefit. When you get into the 10 million range that's when a carrier really starts digging into family history etc.

Few carriers are currently willing to write anyone over 60 which is affecting key person policies more than anything, in my experience.

>> it’s always been odd to me how life insurance tests with vigor for tobacco use but lack that enthusiasm for metabolic health / diet.

This commenter has never had a major individual life insurance policy. While Tobacco effects underwriting, it's not as major of a factor anymore.

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