What type of Medical Exam Is Required

Most companies require a medical exam as part of the life insurance application process. This medical exam can be completed at your home or any other convenient location. It takes about 15-30 minutes and is conducted by a licensed paramedical examiner or medical doctor. During the exam, the paramedical or medical doctor will likely:

  • Inquire about your medical history (surgeries, medications, various conditions)
  • Secure information on your immediate family’s medical history
  • Get physical measurements and vital statistics such as height, weight, blood pressure and heartbeat
  • Draw a blood sample
  • Get a urine sample
  • Ask about lifestyle habits that could impact your health (hobbies/activities, tobacco, alcohol and recreational drug use, etc)

Additionally, in rare cases there may be additional tests you need to undergo depending on your age, the type of policy you want and the amount of coverage for which you’re applying. Additional tests could include an EKG, a chest X-ray, and/or an EKG treadmill test.

Additional Resources:

Article: Learn More About the Medical Exam
See our special Questions & Answers (Q&A) about the Medical Exam.
Tools: Determining Your Heath Class
Get Quote: Simple Term Life Insurance Quotes Requiring No Medical Exam