Term life insurance policies usually requires the applicant for life insurance to take a health examination which is paid for by the insurance carrier.

Usually, you would need to take a life insurance health exam for any of the following reasons:

• Over Age 30
  
• Over $50,000 of Life Insurance
  
• Declined by Other Life Insurers
  
• Use Prescription MedicationUse Tobacco
  
• Have a Pre-Existing Health Condition
  
• History of Drug or Alcohol Abuse
  
• Poor Driving Record – DUI’s
  

Keep in mind, taking a medical examination ...

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No, all life insurance policies do not require you to take a physical examination, but many do.

There are non-med life insurance policies available for term life, whole life or guaranteed issue life insurance coverage.

However, most standard life insurance plans require a medical examination if the applicant is over 30 years old, smokes, has health problems, or is looking to buy more than $50,000 of insurance.

To learn more read this article: Do all life insurance policies require a physical?

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I physical exam for life insurance is an examination that checks your health for any ailments and to determine if you have any nicotine or illegal drugs in your system, as well as if you have STD's, high cholesterol, high protein levels, or any other health problems, such as, diabetes or emphysema.

Life insurance companies don;t always require a medical exam of the person applying for life insurance. It depends on the person's age and the amount of life insurance requested. For instance, a 30 ...
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