Do I need to have a Medical Exam for Life Insurance?

This is an important question if you are trying to buy a life insurance on your own, not part of an employer-offered group life insurance plan.

Younger people who are in good health and have no pre-existing medical conditions may not need to have a medical examination, but for higher amounts of life insurance coverage and the older you get, many, if not most, insurance companies will require you to take a medical exam which is paid for by the insurer.

However, there are life insurance plans that do not require any health exam. These are usually term life policies offering up to $250,000 of coverage. But, there may be some health questions asked to determine your health.

In addition, there are guaranteed issue life insurance plans which require no health exam and do not ask any questions about your health. You cannot be turned down due to any health condition.

Here's how to learn more about a medical exam for life insurance