What Should You Expect in a Life Insurance Medical Exam?

What Should You Expect in a Life Insurance Medical Exam?

Mar 08, 2023

Life Insurance

All you need to know about life insurance medical exam

If you’re in the market for life insurance, you’ve probably heard about the requirement for a medical exam. The exam is a standard part of the life insurance process and is required by the majority of life insurance companies. It helps the insurer assess the risk of insuring you and determines the cost of your policy.

In this article, we’ll explore why life insurance companies require a medical exam, how to prepare for it, and how to avoid it altogether.

Why do Life Insurance Companies Require a Medical Exam

Life insurance companies require a medical exam to determine an individual's health status, which plays a crucial role in determining their risk profile. The medical exam is an essential part of the underwriting process that insurers use to evaluate the health and life expectancy of applicants. Insurance companies need to know the overall health status of an applicant to determine the appropriate policy premiums and coverage amounts.

During a medical exam, insurance companies evaluate several health parameters, including blood pressure, cholesterol levels, BMI, and medical history, to assess an applicant's overall health. This information helps the insurer calculate the risk of insuring the applicant and determine the policy's premiums and coverage amounts. Insurers consider several factors to evaluate the risk profile, such as age, gender, occupation, hobbies, and lifestyle choices, in addition to the medical exam results.

How to Prepare for a Medical Exam

If you're applying for life insurance and your insurance company requires a medical exam, there are a few things you can do to prepare. First, make sure you're well-rested, hydrated, and have eaten a healthy meal before the exam. This will help ensure that your blood pressure and cholesterol levels are within normal ranges. Additionally, avoid caffeine, alcohol, and smoking for at least 24 hours before the exam, as these substances can affect your test results.

It's also important to provide accurate and complete information about your medical history and current health status to the insurer. Failure to disclose any relevant medical conditions could result in the policy being canceled or the insurer denying your claim if you pass away due to a condition that you didn't disclose during the application process

Can I Avoid a Medical Exam?

While some life insurance policies require a medical exam, there are other options available that don't require it. These policies are known as no-exam life insurance policies. Instead of a medical exam, the insurer relies on the information provided by the applicant during the application process to determine the risk profile and calculate premiums.

No-exam policies typically have higher premiums than policies that require a medical exam. Additionally, the coverage amounts may be lower than those offered by policies that require a medical exam. However, if you don't want to go through the hassle of a medical exam or have a medical condition that could affect your ability to get approved for a policy that requires a medical exam, a no-exam policy may be a good option for you.


A life insurance medical exam is a standard part of the application process and helps the insurer determine the risk associated with insuring you. It is important to understand the medical exam process and take steps to prepare for it. In some cases, you may also be able to avoid the medical exam altogether by opting for a no-medical exam policy.

Get a Life Insurance for Your Specific Needs at East End Insurance Agency

If you’re considering life insurance, contact us today. At East End Insurance Agency, our agents can help you find the right policy for your needs. We have been serving our clients for almost 150 years with the same dedication and commitment.

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