The life insurance medical exam, explained

Many policies require a short medical exam before approval. Here is what actually happens.

By the InsuranU team Updated July 20263 min read

A medical exam sounds intimidating, but for most applicants it is a short, painless process.

What it usually involves

A paramedical examiner often comes to your home or office at a scheduled time, at no cost to U.

Results are combined with your application to determine your final rate class. Healthier results usually mean a lower premium.

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The application process from start to finish.

What insurers actually promise you.

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Can I get life insurance without a medical exam?

Yes, some no-exam policies exist, usually with lower coverage limits or higher premiums.

How long do results take?

Often one to a few weeks, depending on the insurer and any follow-up needed.

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