Is a Physical Exam Always Required to Obtain Life Insurance?

Depending on the type of life insurance purchased, a physical exam may or may not be required as part of the examination process. Generally the higher the death benefit, the more likely the insurance company will require a physical. If a physical is required a paramedic generally performs it in your own home. He or she will ask a series of medical questions, measure your height and weight, take blood and urine samples, and probably run an EKG to check your heart health. Your medical records will be requested, and again depending on the value of the policy, the insurance company may also look at other information such as your credit and driving records.

Affordable Life Insurance Rates
Are Waiting For You!
Choose Your State

Related Information

What Medical Exams May Be Required For Life Insurance

Some life insurance policies require a medical exam before approval. This may include a physical exam, blood test, urinalysis and more.

Read More

What Questions Do Life Insurance Companies Ask on the Application?

Learn what will likely be asked on your life insurance application.

Read More

Finding Affordable Life Insurance for Diabetics

It may be possible to find an affordable life insurance policy if you're diabetic. Learn more about life insurance policies.

Read More

How the Results of a Medical Exam Affect Life Insurance Eligibility

The results of your life insurance medical exam help insurers decide whether or not to insure you and for how much.

Read More

Why Does Some Life Insurance Require Medical Underwriting?

Life insurance companies use medical underwriting to determine the risk they take on by offering a person coverage. This often requires a medical exam.

Read More

The Basics of Life Insurance Policies

Learn about life insurance’s basics: including the types of policies, their costs and benefits, and who needs coverage.

Read More

Can I Get Term Life Insurance Without a Medical Exam?

If you are older or have health problems, you may want to consider buying a term life insurance policy with no medical exam required.

Read More

How Do Life Insurance Companies Use Urinalysis Results?

If you're applying for a life insurance policy, you may be required to submit a urine sample during your pre-approval medical exam.

Read More

Understanding Life Insurance

This primer will help you learn how life insurance works and the different life insurance options you have to choose from.

Read More