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Is It Fair for Life Insurance Companies to Require Medical Exams for Coverage

Life insurance companies often require medical exams to assess risk and determine premiums. This practice raises questions about fairness, balancing the insurer's need for accurate risk assessment with the individual's right to privacy.

Can Life Insurance Be Denied for Pre existing Conditions

Life insurance can be denied for pre-existing conditions, as insurers assess risk based on medical history. Each company has different criteria, and some may offer coverage with higher premiums or exclusions.

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