Core health metrics examined
Insurers focus on vital signs, blood work, and medical history to gauge mortality risk. They record height, weight, blood pressure, and heart rate, then draw blood and urine for cholesterol, glucose, liver and kidney function, and any hidden conditions.
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Medical history and current conditions
Interviewers ask about past diagnoses, surgeries, chronic illnesses, and medication use. This context helps underwriters weigh the impact of known health issues on life expectancy.
Lifestyle factors influencing risk
Questions cover tobacco use, alcohol consumption, recreational drug habits, and exercise frequency. These behaviors directly affect premium categories and eligibility.
Additional observations
Physical exam notes may include skin condition, respiratory sounds, and any visible signs of disease. While not all exams are exhaustive, the combined data informs the insurer's risk classification.
Typical exam components at a glance
| Component | What's checked | Why it matters |
|---|---|---|
| Vitals | Height, weight, BP, pulse | Baseline health indicators |
| Blood test | Cholesterol, glucose, liver/kidney markers | Detects hidden conditions |
| Urine test | Protein, blood, glucose | Kidney function & diabetes risk |
| Questionnaire | Medical history, meds, lifestyle | Context for risk assessment |