Do I Need a Medical Exam for Life Insurance?

The short answerNot always. Many policies today can be approved without an exam using health questions, prescription history and other records, especially for smaller amounts and younger, healthier applicants. Larger amounts, older ages or some health histories may require a short paramedical exam, usually done at your home or office at no cost to you.

When an exam is less likely

Smaller coverage amounts
Younger applicants in good health
Final expense and simplified-issue policies

What a paramedical exam involves

Height, weight, blood pressure and pulse
Blood and urine samples
Health history questions
Usually about 20 to 30 minutes, scheduled at your convenience

Exam vs. no exam

No-exam can be faster and easier. An exam can sometimes earn a better price if you're healthy, because the insurer has more information. Your agent can tell you upfront which path makes sense for you.

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Common follow-up questions

Who pays for the exam?

The insurer typically pays. It's free to you.

How long does approval take?

No-exam approvals can be fast; exam-based policies often take a few weeks.

What do they test for?

Commonly things like blood sugar, cholesterol, nicotine, and kidney and liver function.

Can I see my results?

Many insurers will share results on request.

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Do I need a medical exam to get life insurance?