At What Age Does Life Insurance Require a Physical?

It is usual for a life insurance carrier to require the applicant for coverage to take a health exam.

The life insurer uses the information from the exam to determine your health and how long you may be expected to live.

The health examination is paid for by the insurance company.

Usually, if you are over age 30, seeking more than $50,000 of life insurance, you smoke, or have health issues, you would be required to take a physical examination.

Learn more about at what age life insurance requires a physical examination.

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.

Do All Life Insurance Policies Require a Physical?

No, all life insurance policies do not require a physical, but some do require you to take a paramed exam.

There are non-med life insurance policies available for term life insurance, whole life insurance, or guaranteed issue life insurance coverage.

However, most standard life insurance policies require a medical examination if the person is over age 30, smokes, has health problems, or is looking to buy more than $50,000 of life insurance protection.

To learn more, read this article: Do all life insurance policies require a physical exam?

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