What Do They Check For When Applying For Life Insurance? 
When you apply for a life insurance policy , the life insurance company will nearly always check your driving record , pharmacy record , and MIB , even if you are applying for a policy that does not require a life insurance exam . They are checking for a suspended license , numerous traffic tickets , DUI 's , medications , and past health conditions the showed up when you applied for insurance in the past . If you are required to take a life insurance exam , they will check your blood and urine for HIV , diabetes , cholesterol , liver disease , other health conditions , and the presence of nicotine or drug metabolites . They will also weigh and measure you , take your blood pressure and pulse , and depending on your age and amount you apply for , may check for heart disease through use of a resting EKG or stress test . 