Life Insurance Medical Exam

What To Expect When Taking Your Life Insurance Medical Exam

Once you have decided to purchase your life insurance, the insurance company may require you to take a medical exam. The medical exam is paid for by the insurance company.

Why do they make you take a medical exam?

The main reason is to determine how much premium to charge you for your policy. And, decide if you are healthy enough for them to insure you.

If the insurer decides you are likely to die at an early age, they will want to receive more premium for your policy. If they believe you will live longer, they will charge you less premium, because you will be around longer to continue paying your premiums.

Life insurance companies use two sources of information to help them accurately judge how long they expect you to live. They use Longevity Charts and your Medical Exam, medical history and your family’s medical history.

Longevity charts are statistics that show the mortality rates, or death rates of a group of people. These rates can be based on age, gender, race, country, occupation, or any number of other factors. These rates help the insurance company decide what risk they are taking by choosing to offer you a life insurance policy.

For example, if the longevity chart shows that a woman age 25 lives longer on average than a man age 25, the insurer would be taking a higher risk insuring the man. That’s why life insurance for children is so affordable. The risk of a child dying is much lower than for an adult. So the life insurance company doesn’t have to charge as much premium to insure a child for life insurance.

Your medical exam and medical history of you and your family (parents) is another factor in deciding how much risk you are for a life insurance company to insure you. Most exams are completed in your home or office. If the insurer requires additional tests, they may need to be completed at a hospital or clinic.


The Following are Questions that are Commonly Asked
During a Medical Exam for Life Insurance:

  • Your personal medical history
  • Your family’s medical history
  • Name, address and phone number to contact your primary doctor
  • Your Lifestyle Habits including exercise, diet, smoking, alcohol use, and recreational drug use
  • How much life insurance you want to purchase


The Following Procedures are Usually Performed
During a Life Insurance Medical Exam:

  • Measure your height and weight.
  • Test your blood pressure and your pulse.
  • Take blood to perform blood work tests to check cholesterol levels, glucose, protein, diabetes, HIV and other illnesses.
  • Urine tests to check your glucose levels, protein levels, creatine and illegal drugs such as cocaine or methamphetamine.


After you have taken your medical exam the life insurance company will review the results and decide if you meet their health requirements and what premium to charge you for your life insurance policy. It may take 2-3 months for this information to be received, reviewed and a decision made on your policy.

If you failed the medical exam and are declined coverage, or you think an error was made you can and should ask the insurance company to send you a copy of the medical exam results to you and/or your doctor.

If you failed because of a health-related problem you can ask your doctor about it. Or, if you failed the exam because of a mistake by the insurance company, you and your doctor and review the error and have it corrected as soon as possible. You want any errors corrected so they don’t stay on your medical record, because you may be declined for life insurance by another insurance company because of the error.

You can review our life insurance medical exam tips to help you get the best results on your life insurance medical exam.


Life Insurance Quotes


Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%.  Get Your FREE Quote.


Highly Recommended – Haven Life

  • Get up to $1,000,000 of affordable term life insurance today
  • Apply online in under 20 minutes, start coverage today
  • Backed by MassMutual, rated A++ by AM Best


Haven Life uses the information provided in your application to make an instant decision on your application. Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.


Highly Recommended – Globe Life Insurance

$1* Buys $100,000 Globe Life Insurance

  • Coverage for Adults or Children

  • No Medical Exam. Just a Few Y/N Health Questions

  • Free Information. No Phone Required. No Waiting

Buy Direct. Monthly Rates as low as $3.49 for Adults/$2.17 for Children.


If you are diabetic, learn about life insurance for diabetes and review information and tips for finding affordable life insurance coverage.



Term Life Insurance | About Us | Privacy Policy | Site Map

No Medical Exam Life Insurance

Life Insurance Medical Exam


Term-Life-Online.com

Copyright 2017. All Rights Reserved.