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.