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The Anatomy of a Life Insurance Medical Exam

A fully underwritten life insurance policy usually requires a basic medical exam at no cost to you – this helps your insurer provide you with the best possible rates. Let’s look at the next steps to getting coverage.


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You want to provide financial security for the loved ones who depend on you, so you’ve been researching a life insurance policy and know a medical exam is part of the process when you apply. To help you prepare, we’ve gathered a few details of what you should and should not do the day leading up to your exam.

The life insurance medical exam needed for most fully underwritten policies shouldn’t be a nerve-wracking event. Life insurance exams can be conducted in your home, work or local medical facility, free of charge.

And here’s what you can expect: The life insurance exam is a brief, basic checkup that is the final step of your application. Your blood pressure, height and weight measurements and a medical history will be taken, as well as blood and urine samples. The information obtained helps your insurance company to offer you the best rate possible.

In preparing for the exam, there are a few simple steps to take 24, 12 and 1 hour(s) beforehand – and they are practices that may already be part of your routine, like avoiding alcohol, tobacco and high-cholesterol foods, or drinking water and getting a good night’s rest.

Once you have completed your life insurance medical exam, your information will be processed and a representative will contact you with the results or any outstanding requirements necessary to issue the policy.


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