How Life Insurance Companies Evaluate You

“They don’t just insure your life — they assess your lifestyle.” 

Before an insurance company approves your policy, they perform what’s called underwriting — a process that evaluates your health, habits, and risk level to determine your eligibility and monthly premium.

Here’s what they typically look at:

Age: Your age is one of the biggest factors. The younger you are, the lower your premium. Rates increase as risk of illness or death naturally rises over time.

Health History: Insurers review your personal and family medical history. They may request a medical exam or review records to check for conditions like heart disease, diabetes, or high blood pressure.

Lifestyle & Habits: Your daily choices matter. Smoking, alcohol use, extreme sports, or dangerous occupations can all raise premiums because they increase risk.

Financial Stability: Life insurance isn’t just about health — companies also look at your income and financial history to make sure your coverage aligns with what’s reasonable for your situation.

Coverage Type & Amount: Whether you choose term, whole, or universal life, and how much coverage you apply for, both influence cost and eligibility.

“Life insurance approval isn’t just about who you are — it’s about how you live. The better your habits and financial health, the better your rates and options.”