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How Term Life Insurance Works
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[QUOTE="Nite, post: 346518, member: 28512"] One of the important factors that insurers take into consideration when determining eligibility for term life insurance is the individual's overall health and lifestyle. This is why many insurers require a medical exam as part of the application process. The results of this exam, along with other inquiries such as current medications, driving record, smoking status, occupation, hobbies, and family history, help insurers assess the level of risk associated with insuring an individual. [/QUOTE]
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