When you set out to purchase life insurance, you’ll likely encounter the underwriting process. It’s an important phase where insurance companies assess your risk profile and calculate what you’ll pay ...

Insurers are using new tools and resources to assess your health and risks when setting life insurance rates Written By Written by Insurance Staff Writer, WSJ | Buy Side Kimberly Lankford is an ...

When you apply for life insurance, you'll usually need a medical exam. This checks to see if you have a disease or are at risk for one. They will also look for any current drug use. The exam may ...

Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

Getting life insurance usually requires a medical exam so your provider gets a clearer picture of your health status. But some policies don't require an exam, including group life insurance and burial ...