Is a Physical Exam Required for Term Life Insurance Coverage?

Term life insurance policies usually requires the applicant for life insurance to take a health examination which is paid for by the insurance carrier.

Usually, you would need to take a life insurance health exam for any of the following reasons:

Over Age 30

Over $50,000 of Life Insurance

Use Tobacco

Have a Pre-Existing Health Condition

History of Drug or Alcohol Abuse

Poor Driving Record – DUI’s

Declined by Other Life Insurers

Use Prescription Medication

Keep in mind, taking a health exam may help you qualify for a more affordable insurance policy compared to no exam plans that may charge higher rates because they may end up insuring some applicants who might not otherwise qualify for coverage if they had to take a physical.

Learn more about physical exam requirements for term life insurance.