Life insurance companies usually require you to take a physical exam if you want to purchase a policy.

However, if it is a small amount of life insurance under $50,000, or you are younger than age 30, you usually won't have to take a medical exam.

No physical life insurance means you may apply for and get approved for life insurance coverage and not have to take any physical exam, blood, urine or nicotine testing. You answer some questions about your health, and the insurer makes a decision abo...
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