Sample Life Insurance Questions
Insurance companies use health questions to determine whether candidates are insurable, and to determine the pricing of policies. If you decide to choose a life insurance product that requires you to answer health questions, below we have listed a number of sample paramedical questions that you may be asked:
- Doctors name and business address
- Are you taking any prescription or nonprescription drugs, legal or illicit, for any reason? If you have, please list them and provide usage details.
- In the past 8 to 10 years, have you used any tobacco products, or any other product that contains nicotine (cigarettes, cigars, chewing tobacco, snuff, pipe, nicotine patch, nicotine gum, etc.)? If yes, please list all products and usage frequency.
- Have you ever tested positive for HIV, the virus that causes AIDS?
- Have you ever been diagnosed and/or treated for an immune system disorder, disease or condition?
- Have you lost weight in the past 6 months?
- Do you have a family history of mental illness, depression, heart disease, kidney disease, diabetes, cancer or any other genetically inheritable disease?
- In the past six months, has any illness or injury caused you to work less hours at your regular job than you usually work?
- Are you currently pregnant? If yes, what is your due date?
- In past 4 to 6 years, have you had surgery, or have you been a patient in a clinic, hospital or other medical institution?
- Have you ever missed work or sought treatment for problems with drugs or alcohol?
- In the past 8 to 10 years, have you used any of the following drugs recreational: Phencyclidine (PCP), LSD, amphetamines, heroin, marijuana, mescaline (peyote), cocaine or crack cocaine?
- In the past 8 to 10 years, have you used drugs that were legally prescribed to you or someone else recreational?
- In the past 8 to 10 years, have you been treated for:
- cancer
- allergies
- jaundice
- hepatitis
- chest pain
- high blood pressure
- anxiety
- dizziness
- intestinal bleeding
- paralysis
- a sexually transmitted infection (STI)
- ulcer
- colitis
- memory loss
- eye disorders
- asthma
- diabetes
- anemia
- arthritis
- chronic fatigue
- stroke
- diverticulitis
- stress
- emphysema
- tuberculosis
- skin disorder
- sciatica
- stomach pain
- blood in stool or urine
- gout
- endocrine or hormonal disorder?
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Also any misstatement or false statement made on a life insurance application that is discovered within two years is contestable (aka he contestability period).
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