Life insurance medical exam usually include blood and urine tests which may check for STD's, HIV/AIDS, high cholesterol, protein levels, diabetes, chronic health conditions, prescription drugs, illegal drugs, etc.
Basically, the testing is to determine your health, if you have any health problems, if you use any illegal drugs, and if you have a health condition which may lead to a shortened life expectancy.
Most life insurance companies will require a medical exam, blood and urine tests for people applying for $100,000 of coverage, or more.
If you don't want to take any exams, blood or urine tests, you do have an option.
There are insurers which offer up to $500,000 of term life insurance with no medical exams, just a few health questions. Here's how to learn more about term life insurance no exams required.
Insurance without any Medical Exam,
Just a Few Health Questions.
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