Life Insurance Basics
What is a life insurance medical exam?
A life insurance medical exam (paramedical exam) is a health assessment required by most traditional life insurance policies. The exam typically includes height, weight, blood pressure, blood draw, and urine sample. No-exam policies are available but typically cost more.
Key Points
- Medical exam: height, weight, blood pressure, blood draw, urine sample
- Results determine your health classification and premium
- No-exam policies: available but typically cost more
- No-exam options: simplified issue (health questions only) or guaranteed issue (no questions)
- An independent agent can identify the best no-exam options for your situation