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