Life insurance
The life insurance medical exam: what to expect
A life insurance exam is usually a short visit, often at your home or work. A technician takes basic measurements, collects a blood and urine sample and asks health questions. Some policies skip the exam.
What usually happens
- Height, weight and blood pressure.
- A blood and urine sample, which are tested for health markers.
- Questions about your medical history, medicines and habits.
- Sometimes a short interview about your finances and occupation.
How to prepare
Drink water, get a normal night's sleep, avoid heavy exercise and alcohol the day before, and bring a list of your medicines and doctors. Answer questions honestly, since the answers are checked.
Have this ready when you call
- Photo ID
- Your medicine list
- Your doctors' names
Common questions
Is there a cost to me for the exam?
The insurer typically arranges and pays for the exam.
Are there policies with no exam?
Yes, though they often have different pricing and limits. We can compare.
Related answers
Rather talk it through?
Call 855-367-1095 and a licensed agent will go through your situation with you. There is no charge to ask, and no obligation to enroll.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.