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Understanding life insurance medical exams

Here's what to expect before, during and after your health screening.

Does life insurance require a medical exam?

It depends on the type of policy you choose. Policies requiring medical exams as part of the application process can include permanent life insurance. You may also need one for level term life insurance.

Some don't require a medical exam, and they're usually more expensive. For example, a guaranteed whole life policy can cost twice as much as a policy that requires an exam.

Why it’s required

The exam is done to get a clear picture of your health. Those results are combined with things like your medical history, driving record and hobbies to get an overall picture of your life.

The insurance company uses this information to calculate how much your coverage will cost.

What to expect

The medical exam is a lot like your annual physical. It takes about 30 minutes and can be done at a provider's facility, or at your home or workplace. There's no charge for the medical exam.

How to prepare for your exam

The day before the exam

  • Avoid drinking alcohol.
  • Drink plenty of water to help with blood draw.
  • Limit salt intake for 24 hours before the exam.
  • Limit over-the-counter medications for 24 hours before the exam.

On the day of the exam

  • Avoid strenuous exercise before the exam.
  • Bring your driver's license or a valid government-issued ID.
  • Wear something light to help with weight.
  • If you need an EKG, wear something loose-fitting.

What does the medical exam check for?

A medical professional will record your height, weight and blood pressure. If you're an older applicant or applying for a large amount of coverage, you may have to take an EKG to check your heart.

They'll also take blood and urine samples to check for:

  • Blood protein levels
  • Blood sugar levels
  • Fluid and electrolyte balances
  • Liver and kidney function
  • Metabolism
  • White and red blood cell counts

After the exam

Your results will be delivered to the insurance company you're working with and used as part of the underwriting process. This may take a few days, depending on the testing facility.

The results will help determine a health classification, which can affect how much you'll pay for coverage. If you're healthy, it helps you get a better rate.

Life insurance medical exam FAQ

Many people get life insurance with pre-existing conditions. There should be a category in the questionnaire to indicate any serious health issues, but premiums may be more expensive. Be sure to answer honestly. If not, your coverage could be delayed, declined or canceled.