Is there a physical/Medical exam required for life insurance?

Is there a physical/Medical exam required for life insurance?

2 May 2022

Depends on the policy and coverage amount. Generally its a good idea to do the exam because the insurance may be more expensive without one. This helps you also get a better rate for healthy individuals.

Every policy will have health questions and some policies are “simplified underwriting” meaning no exam is required but are generally more expensive.