It's usual for an insurance company to require the applicant for life insurance to take a medical exam.

The life insurer uses this information to determine your health, and how your longevity.

The health examination is paid for by the life insurance carrier.

Usually, if you're age 30 or over, need more than $50,000 of life insurance, you smoke, or have health problems, you would be required to take a physical exam.

Learn more about at what age does life insurance require a physical exam.

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Do I have to take a physical exam in order to purchase a term life insurance policy?

That depends on your age and health, and the requirements of the insurance company.

Some reasons insurers require a physical may include:

• You are over age 30
  
• You need more than $50,000 of life insurance
  
• You smoke
  
• You have a pre-existing health condition
  

However, there are insurers that offer non medical life insurance policies, which means you won't have to take an exam to qualify for life insurance coverage.

Some li...
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