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When you apply for life insurance, you'll usually need a medical exam. This checks to see if you have a disease or are at risk for one. They will also look for any current drug use. The exam may ...

We might earn a commission if you make a purchase through one of the links. The McClatchy Commerce Content team, which is independent from our newsroom, oversees this content. This article has ...

Vikki Velasquez is a researcher and writer who has managed, coordinated, and directed various community and nonprofit organizations. She has conducted in-depth research on social and economic issues ...