Common Questions for Life Insurance Application
Reader’s Question:
I am planning to purchase a life insurance and I am currently scheduled for an interview by a life insurance company here in Washington. What are the usual questions during the interview for life insurance policy?
Patrick
Bellevue, WA
Thank you for asking Patrick.
Most Washington insurance companies would conduct a face-to-face paramedical examination for policies in excess of $100,000. At minimum, the giving of both blood and urine samples to an outside lad technician might also be required. People who value their privacy might find the process intrusive, but is a necessary procedure to verify and confirm your information.
The underwriters might question you in detail regarding your lifestyle, intended foreign travel destinations, family health history and your personal health history. Questions like: Do you usually go diving below 60 feet? Does anyone in your family have history of heart disease or cancer before age of 60? Have you ever been prescribed with any medicine for anxiety or depression?…and among many other related questions.
Expect also that after the face-to face interview, insurance companies might conduct a follow-up telephone interview to verify the information you gave. Remember that misrepresentation is enough reason for them to reject your application as insurance companies in Washington have devised measures to combat fraud.