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Life insurance companies are a lot more strict now that there are increased rates of cancer, especially lung cancer. Some insurance companies won't even cover you or have less of a chance of covering you if you are a smoker.

Most life insurance companies require that you have a physical exam and tests to see whether or not you're healthy. If you pose to have health problems, the chances of you being offered life insurance is a lot less than if your physical exam and tests came back clean and positive looking.

Those tests will test all aspects of your organs and their functions. Once you're denied, you will need to fix the problem and get it under control and reapply again for life insurance with another exam.

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16y ago

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