When purchasing any insurance, you should remember that insurance providers based the rates of these plans according to potential risks. The more risks there are, the higher your premium will be. To account for these risks, insurance company would designate your status based on age, gender and health, and that would further determine how much you pay for a given amount of insurance.

The insurance company will also ask you about your medical history. While filling up the health questionnaire, you need to be a hundred percent accurate. In case you lie to the company and they eventually find out about it, your policy would be canceled.

Most of the insurance company may require you to take some sort of physical exam as well. A medical doctor would check your weight, blood pressure and other vital signs, and may take a blood and urine sample. In some cases, they may also require extensive tests such as X-ray or EKG. Your blood and urine samples would be tested for sign of disease such as HIV virus, cholesterol level, diabetes, kidney problem, hepatitis and any other problem. The samples would be then screened for the findings of nicotine and some medications as well as for illegal drugs. If you fail the test, it is still possible to get the plan but it will be offered in a higher rate.