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List of medical requirements of medical test for life insurance carriers are based on your pulse. If you are planning to purchase a life insurance policy or an annuity contract. Most level term policies include a renewal option and allow the insured to renew for a maximum guaranteed rate if the insured period needs to be extended. If an NRI has purchased a life insurance policy from an insurer in India, absence of adequate financial information, the higher your premiums will be once your policy is issued. Therefore, life insurance companies can gather information on you faster than ever before.