{"id":9105,"date":"2026-09-08T15:23:51","date_gmt":"2026-09-08T19:23:51","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/2020\/12\/18\/applying-for-life-insurance-why-you-should-be-an-open-book\/"},"modified":"2026-09-09T10:28:30","modified_gmt":"2026-09-09T14:28:30","slug":"life-insurance-questions","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/life-insurance-questions","title":{"rendered":"5 Life Insurance Questions: How to Prepare"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">5 Life Insurance Questions: How to Prepare<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-09-08T15:23:51-04:00\">September 8, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">10 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Fiona-Campbell.webp?quality=80&w=1024\" alt=\"Fiona Campbell\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Fiona Campbell<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Life-insurance-questions-how-to-prepare.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Life insurance questions: How to prepare\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Life-insurance-questions-how-to-prepare.webp 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Life-insurance-questions-how-to-prepare.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Life-insurance-questions-how-to-prepare.webp?resize=768,512 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=5 Life Insurance Questions: How to Prepare &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/life-insurance-questions\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/life-insurance-questions\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Why insurers ask life insurance application questions<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-why-insurers-ask-life-insurance-application-questions\">Why insurers ask life insurance application questions<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-1-health-questions-what-insurers-may-ask-about-your-medical-history\">1. Health questions: What insurers may ask about your medical history<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-2-medical-testing-what-exams-may-be-requested-by-insurers\">2. Medical testing: What exams may be requested by insurers<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-3-occupation-questions-what-insurers-may-ask-about-your-job\">3. Occupation questions: What insurers may ask about your job<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-4-lifestyle-questions-what-insurers-may-ask-about-your-hobbies\">4. Lifestyle questions: What insurers may ask about your hobbies<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-5-financial-questions-what-insurers-may-ask-about-your-income\">5. Financial questions: What insurers may ask about your income<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-prepare-for-life-insurance-questions\">How to prepare for life insurance questions<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Life insurance is one of those things most of us know we need, but few of us feel truly ready to talk about. If you&#8217;re getting ready to apply, knowing what types of life insurance questions to expect can make the whole process feel a lot less overwhelming. Think of it less like an interrogation and more like a conversation \u2014 one that helps your provider find the right coverage to protect you.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Life insurance can vary in complexity, length, and coverage amounts<\/strong>. For this reason, insurers ask a series of questions to assess risk and help ensure you get the right coverage for your needs.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>You may be asked questions about your health and family history<\/strong>, including chronic conditions, past surgeries, medication, and mental health.&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Insurers may ask questions about your smoking status and drinking habits<\/strong>. Smoking and alcohol use have a significant impact on your insurance premiums because of the correlation between tobacco use, alcohol and disease.&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Other questions you could be asked when buying life insurance includes questions about your career, driving history, recreational activities, and financial situation.<\/strong><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>It\u2019s important to be truthful and accurate when answering questions<\/strong> <strong>related to life insurance<\/strong>. Inaccurate or incomplete answers could jeopardize future claims or even void your policy.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-insurers-ask-life-insurance-application-questions\">Why insurers ask life insurance application questions<\/h2>\n\n\n\n<p>Depending on the type of coverage you need, insurers will ask specific questions as part of a <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-LifeInsurance-41289-730e3d98\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"life insurance\" class=\"rbc-link-format\">life insurance<\/a> application. This <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-underwriting\/\" data-dig-id=\"LP-LifeInsurance-41289-095b061e\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"process is known as underwriting\" class=\"rbc-link-format\">process is known as underwriting<\/a> and it\u2019s how insurers assess risk. The answers provided help determine not only how much coverage you\u2019re eligible for, but also, what premium you\u2019ll pay.<\/p>\n\n\n\n<p>As life insurance products vary in complexity, length of time, and coverage amounts, asking a series of questions to assess risk is standard practice across all Canadian insurers. More simple products, like guaranteed acceptance life insurance, require few questions, while some permanent life insurance products require more personal information. This helps keep life insurance premiums fair and affordable.&nbsp;&nbsp;<\/p>\n\n\n\n<p>While some questions about your health, lifestyle or family medical history may feel intrusive, answering honestly is best, otherwise your application could be denied or your <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-disqualifies-life-insurance-payout-common-reasons\/\" data-dig-id=\"LP-LifeInsurance-41289-7f3fa2e1\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"life insurance payout may be disqualified\" class=\"rbc-link-format\">life insurance payout may be disqualified<\/a>. Any misrepresentation, whether intentional or accidental, could count as insurance fraud.<\/p>\n\n\n\n<p>Remember, your personal information will be protected. Canadian privacy laws have strict rules, and your insurer may only use or disclose personal information for the identified purposes for which it was collected.<\/p>\n\n\n\n<p>Here is a breakdown of the types of questions you may be asked about when applying for life insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-health-questions-what-insurers-may-ask-about-your-medical-history\">1. Health questions: What insurers may ask about your medical history<\/h2>\n\n\n\n<p>Your health and medical history are the foundation of your premium cost. Because your overall health plays a role in determining your eligibility, coverage amount, and rate, you\u2019ll likely be asked about your current and past health status, including:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Chronic conditions:<\/strong> Do you have or have you had chronic conditions such as high blood pressure, diabetes, cancer, or heart disease?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Medical history:<\/strong> Details about past surgeries, treatments, and hospitalizations.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Current care:<\/strong> Are you currently under the care of a physician or undergoing treatment?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Medications:<\/strong> A list of current prescriptions and past medications.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Mental health:<\/strong> Have you been treated for any mental health disorders, such as anxiety or depression? (This is common and not necessarily a reason for disqualification.)<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>You may also be asked about the medical history of immediate family members, such as a history of heart disease, cancer or early-onset diabetes, as it can indicate a predisposition to certain conditions.<\/p>\n\n\n\n<p>Many Canadians assume pre-existing health conditions (any medical condition that was present before you applied for life insurance) automatically disqualify them from coverage but that\u2019s not necessarily the case.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-medical-testing-what-exams-may-be-requested-by-insurers\">2. Medical testing: What exams may be requested by insurers<\/h2>\n\n\n\n<p>In addition to a health and medical questionnaire, your insurer may ask for a medical exam and lab testing as part of the underwriting process.<\/p>\n\n\n\n<p>While this can feel nerve-wracking for some, the point of testing is to get an accurate snapshot of your health so that an insurer can assess any risk and provide an accurate cost for life insurance.<\/p>\n\n\n\n<p>Some of the measurements and tests that you can expect include:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Measurements:<\/strong> Height, weight, heart rate and blood pressure.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Samples<\/strong>: May include blood and urine samples to assess for kidney and liver functioning, cholesterol, or the presence of nicotine, drugs and other medications.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Diagnostic tests: <\/strong>Such as an electrocardiogram (ECG), X-ray, stress test, or cognitive test (typically this is for higher coverage amounts).<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>If you don\u2019t require more extensive medical testing, a paramedical nurse will typically come to your home to collect the measurements and samples.<\/p>\n\n\n\n<p>If you\u2019re concerned about how any pre-existing conditions may impact your eligibility, there are no-medical life insurance options, such as <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/guaranteed-life-insurance-how-it-works\/\" data-dig-id=\"LP-LifeInsurance-41289-41b3be0d\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"guaranteed life insurance\" class=\"rbc-link-format\">guaranteed life insurance<\/a>. This type of insurance doesn\u2019t require any health questions or medical testing, but the coverage available is much lower than traditional insurance.<\/p>\n\n\n\n<p>In addition to medical testing, some insurance companies could verify your medical records with your doctor to ensure the information provided is complete and correct.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-occupation-questions-what-insurers-may-ask-about-your-job\">3. Occupation questions: What insurers may ask about your job<\/h2>\n\n\n\n<p>Your occupation is another part of your risk profile. Some occupations, like desk jobs, carry little additional risk. But higher-risk jobs \u2014 think firefighters, police officers, and miners \u2014 may result in higher premiums.<\/p>\n\n\n\n<p>Your insurer may also consider your work arrangements: whether your work from home, commute a far distance, or work in a hazardous environment, like on a roof or with dangerous materials.<\/p>\n\n\n\n<p>Travelling for work may also affect your risk, but insurers typically consider frequency and destination. For example, travelling once a year within North America carries less risk than travelling each month internationally.<\/p>\n\n\n\n<p id=\"h-\">If you work in a specialized field and have questions, a <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-LifeInsurance-41289-9fc480d7\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"licensed insurance advisor\" class=\"rbc-link-format\">licensed insurance advisor<\/a> will be able to answer them and help you explore your choices.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-lifestyle-questions-what-insurers-may-ask-about-your-hobbies\">4. Lifestyle questions: What insurers may ask about your hobbies<\/h2>\n\n\n\n<p>Beyond your health and occupation, what you do in your spare time could surprisingly impact your life insurance rate. This includes your hobbies, recreational activities, driving record, and any alcohol and tobacco use.<\/p>\n\n\n\n<p>Some recreational hobbies come with additional risk which could lead to an increased premium, including:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Sports that involve heights:<\/strong> Skydiving, BASE jumping, bungee jumping or rock\/ice climbing.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Motorsports:<\/strong> Car or motorcycle racing.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>High-risk water sports:<\/strong> Scuba diving, whitewater rafting, surfing, cave diving, wreck diving.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Recreational aviation:<\/strong> Flying, hang gliding, ballooning, ultra-light flying.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Snow sports:<\/strong> Backcountry skiing or snowboarding, heliskiing, snowmobiling.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Your insurer also considers frequency. If you tried skydiving once or went scuba diving on your honeymoon, that likely won\u2019t affect your premiums, but if you do it regularly, it\u2019s considered a hobby and may impact your rates.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Driving record<\/h3>\n\n\n\n<p>Your driving history for the past five to 10 years might also be reviewed, even though it might seem unrelated to life insurance. This depends on the insurer and type of coverage you apply for. This is not a complete list, but if any of these violations show up on your driving record, your insurer might assess you as a higher risk which could impact your premiums:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Not wearing a seatbelt<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Distracted driving (texting while driving, improper use of cell phone)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Impaired driving (under the influence of alcohol or drugs)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Moving violations, such as running a red light, speeding, or failing to yield<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Dangerous driving<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Your insurer could also evaluate how many demerit points you have lost and the number of accidents on your record.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Alcohol and tobacco use<\/h3>\n\n\n\n<p>Smoking and alcohol use have a significant impact on your insurance premiums because of the correlation between tobacco use, alcohol and disease.&nbsp;<\/p>\n\n\n\n<p>Smoking status has a significant impact on your life insurance. Up to half of smokers will die from smoking-related illnesses, according to the Canadian Cancer Society (CCS).<\/p>\n\n\n\n<p>Smokers, or Canadians who consume nicotine, including vaping, can pay almost double the premiums of non-smokers. Typically, a life insurance company considers you a smoker if you\u2019ve smoked or used any form of tobacco within the last 12 months.<\/p>\n\n\n\n<p>This includes:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Any form of tobacco, which includes cigarettes, cigars or cigarillos (other than one large cigar per month), pipes and chewing tobacco<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>E-cigarettes, vaping products, water pipes, nicotine products<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Smoking cessation products, such as nicotine gum or patches<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Betel nut leaves, more than once per month<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p><strong>Learn more: <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/life-insurance-for-smokers\/\" data-dig-id=\"LP-LifeInsurance-41289-5e65879a\" data-dig-label=\"Life Insurance for Smokers\" data-dig-action=\"link click\" data-dig-category=\"LP-LifeInsurance\" class=\"rbc-link-format\">Life Insurance for Smokers<\/a><\/strong><\/p>\n\n\n\n<p>Since cannabis was legalized in Canada in 2018, life insurers have worked to determine how to best underwrite policies for cannabis users. If you smoke or vape cannabis, you are more likely considered a smoker. However, if you consume edibles or oils, for example, you are less likely to be considered a smoker.<\/p>\n\n\n\n<p>The Government of Canada\u2019s <a href=\"https:\/\/www.canada.ca\/en\/health-canada\/services\/substance-use\/alcohol\/low-risk-alcohol-drinking-guidelines.html\" data-dig-id=\"LP-LifeInsurance-41289-927daca3\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"low-risk alcohol drinking guidelines\" class=\"rbc-link-format\">low-risk alcohol drinking guidelines<\/a> suggest a limit of two drinks per day for women, and three drinks per day for men. Drinking alcohol raises your risk of developing various cancers, including mouth, neck, esophageal, breast, colorectal, liver, stomach and pancreatic cancers, according to the CCS.<\/p>\n\n\n\n<p>As higher alcohol consumption can lead to more health risks, your insurer could ask the number and type (beer, wine, spirits) of drinks you consume each week. You might also be asked if you\u2019ve ever been treated for alcohol dependence or if you have any driving while intoxicated violations on your driving record.<\/p>\n\n\n\n<p>Like all other life insurance questions, it\u2019s important you answer honestly. Alcohol and nicotine consumption can be detected by medical testing. Your insurer may also verify your answers via the MIB (The Medical Information Bureau), which maintains a coded database of previous life insurance applications and is used to prevent fraud by flagging inconsistent information.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-financial-questions-what-insurers-may-ask-about-your-income\">5. Financial questions: What insurers may ask about your income<\/h2>\n\n\n\n<p>Some applications, especially for higher coverage amounts, may require you to disclose information about your income and financial situation, including your debts and assets. This helps your insurer determine the appropriate coverage amount relative to your insurable interest.<\/p>\n\n\n\n<p>You may also be asked about any existing life insurance policies. While Canadians can hold multiple policies, your advisor can help you avoid over-insurance, where you pay for more coverage than your needs and financial circumstances justify. Ultimately, these questions ensure you get the right fit for your family\u2019s needs.<\/p>\n\n\n\n<p><strong>Read more: <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/can-you-have-more-than-one-life-insurance-policy\/\" data-dig-id=\"LP-LifeInsurance-41289-1a41debc\" data-dig-label=\"Can You Have More Than One Life Insurance Policy?\" data-dig-action=\"link click\" data-dig-category=\"LP-LifeInsurance\" class=\"rbc-link-format\">Can You Have More Than One Life Insurance Policy?<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-prepare-for-life-insurance-questions\">How to prepare for life insurance questions<\/h2>\n\n\n\n<p>Answering these personal questions can feel daunting, but keep these simple guidelines in mind will help you approach the process with confidence.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Be truthful and thorough:<\/strong> Inaccurate or incomplete answers could jeopardize future claims or even void your policy.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Gather information in advance:<\/strong> Collect your medication names and dosages, medical professionals\u2019 contact information, and known family medical history.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Admit if you don<\/strong><strong>\u2019<\/strong><strong>t know:<\/strong> It&#8217;s okay to say, &#8220;I&#8217;m not sure&#8221; and work with an insurance advisor to clarify answers.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Share information with confidence:<\/strong> Your privacy is protected under Canadian law, and your information is only used for underwriting.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Recognize honesty is in your best interest<\/strong>: An accurate application ensures your coverage precisely reflects your real needs.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Get professional advice:<\/strong> A licensed life insurance advisor can guide you through the process in real time to secure the right coverage for your family and your budget.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Ultimately, providing accurate information when applying for life insurance helps ensure your policy is valid and tailored to you and your family&#8217;s financial security.<\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b section-ads\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-life-insurance\">RBC Life Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Protect Your Loved Ones With Dependable Life Insurance.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn is-style-primary primary\"><a class=\"wp-block-button__link has-text-lg-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-283-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-12729-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Getting ready to apply for life insurance? Find out what questions to expect so you can walk into the process feeling confident and prepared. <\/p>\n","protected":false},"author":196,"featured_media":41318,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":true},"categories":[54],"tags":[202,4,6],"article-type":[80],"ppma_author":[186],"class_list":{"0":"post-9105","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-life-insurance","8":"tag-complexity","9":"tag-life-insurance","10":"tag-work-life","11":"article-type-advice-learning"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>5 Life Insurance Questions: How to Prepare | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Getting ready to apply for life insurance? 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