As you may already know, most insurance companies require medical examination for all prospective clients to ascertain heir eligibility for life insurance. Your age plays a big part in your ability to get cheap insurance and the higher the cover, the more likely the chances of the firm requiring you to get a medical exam at an authorized facility. For mid-level/range policies customers may be required to get a physical exam, urine analysis, blood analysis, EKG and an X-Ray, plus an additional treadmill EKG if the policy goes more than two million US dollars. Trying to hide previous illness is also a futile and illegal activity punishable as insurance fraud which could nullify your insurance if proven. Be frank with your assessor so you get no surprises in the future or void your beneficiaries the product of your hard labor. However hard you may try to hide