Do I Need To Get A Medical Exam For Life Insurance?

In most cases when you get a life insurance policy, a medical exam will be required. It will test things such as your blood pressure, blood and urine. The reason this is done is that it allows the insurance provider to understand the current state of your health. Once they know this information, they will be able to d a risk analysis based on the potential for your mortality vs. the amount of money they will make from the policy. This in turn will help them to decide the amount to charge you for your premium. There are many people who avoid purchasing life insurance because their poor health would interfere with the ability to get life insurance. For these people there are a few ways to avoid a medical exam.

There are some insurers who will provide no exam life insurance policies. While these typically have high premiums, they are better than having no life insurance at all. Usually the health questions involved will be general and you will not have to provide as much information as with other policies.

Another way to avoid the medical exam is to purchase your life insurance policy through your employer. In many cases, signing up for life insurance this way, will allow you to avoid the exam and lengthy questions. This is usually only good when you sign up for the first time. Of you add an additional policy or cancel and try to sign up again you may be out of luck.
Even if you are in poor health, there are some companies that will allow you to purchase life insurance as long as you do not have an illness that could threaten your life. Aside from these methods, you will most likely have to undergo a medical exam when you sign up for life insurance.