Usually, a life insurance company will require the applicant for coverage to take a medical exam if you are requesting $100,000 of more of life insurance.
However, that depends on the insurance carrier, your age and health.
The medical exam for life insurance may consist of a paramedical exam at your home, asking you health questions and questions about your family's health history. In addition, they may take your blood pressure, and take blood and urine samples for testing.
The testing may check for illegal drugs, STD's, prescription drugs, protein levels, marijuana, cocaine, diabetes, and other health issues.
If you don't want to take a medical exam there are other options.
Some life insurance companies understand that there are consumers who dislike needles or blood work, or don't have time for a physical exam, or just need life insurance today.
So, in order to be competitive and give consumers what they want, there's now life insurance without any physical exam required.
In fact, you may qualify for up to $500,000 of term life insurance with no exam required, just a few health questions. You can get a quote, apply online, and usually find out within 15 minutes of you qualify. Once approved, you can start your life insurance the same day.
Insurance without any Medical Exam,
Just a Few Health Questions.
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