How is a medical exam used by the insurance company?

Insurers are in the. Business of collecting premiums and paying as few claims as possible. Some ask a few questions, deferring an exam, many want not only historical data, an exam, but urine and blood work. If they do not see what they like, you wll not be offered a policy. It is easy to shop. Even if you are not truthful, for life insurance the policy is vaid if you live one or 2 years.