Life Insurance

Do I need a medical exam to get life insurance?

It depends on the policy type. Traditional fully underwritten term and whole life policies often require a medical exam (a quick health screening with blood and urine samples) to get the best possible rate.

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Key details about life insurance

However, many carriers also offer simplified issue policies (a few health questions, no exam) and guaranteed issue policies (no health questions, no exam at all), which trade a somewhat higher premium for a faster, easier approval process.

Want an answer specific to your situation? A licensed agent can walk through your options in a few minutes.

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An agent can help you decide whether the potential savings from a fully underwritten exam-based policy are worth the extra time compared to a faster no-exam option.

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Still have questions about your own situation?

Every situation is different. Call now and a licensed agent can answer your specific questions about life insurance — no obligation, no pressure.

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Do I need a medical exam to get life insurance?

Key details about life insurance

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