can life insurance co. ask for prescription drugs I’m taking?

Yes, life insurance companies can ask for information about prescription drugs that an applicant is taking as part of the underwriting process. The purpose of this is to assess the risk associated with the applicant's health status and medication use, which can affect the cost of the policy or the decision to issue coverage. When an applicant applies for life insurance, they typically have to complete a health questionnaire that asks about their medical history, including any prescription medications they are currently taking. In addition to the health questionnaire, the life insurance company may also request authorization to obtain medical records from the applicant's healthcare providers. These records would include information about any prescription medications that the applicant is taking. In some cases, the life insurance company may also require a medical exam as part of the underwriting process. During the exam, the applicant will be asked about their medical history and any prescription medications they are taking, and may be required to provide a urine or blood sample for testing. It's important to note that providing false or incomplete information about prescription medication use on a life insurance application can result in the denial of coverage or the cancellation of a policy. It's essential to be honest and forthcoming about all prescription medications being taken, even if the medication is for a minor health condition or is not seen as a significant risk factor. In summary, life insurance companies can ask for information about prescription drugs an applicant is taking as part of the underwriting process. The information is used to assess risk and determine coverage options and costs. Applicants should provide honest and complete information about their medication use to avoid potential issues with coverage in the future.