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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When you apply for life insurance coverage the insurance company may require you to take a medical exam which may include blood and urine testing.

The insurance company wants to check whether you have nicotine in your system, as well as, check for any legal or illegal substances in your system, such as, prescription drugs, marijuana, cocaine, methamphetamine, or any other illegal drugs.

Also, they are checking your urine for health issues, like high cholesterol, STD's, HIV/AIDS, diabetes, or an...
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