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Competitive insurance companies often require a medical exam before underwriting a policy. Some companies offer no-exam policies, but in most cases you need to qualify for these by being in excellent health and within a certain age range.

» Learn more: What Is Accelerated Underwriting or No Medical Exam Life Insurance?

There are also guaranteed issue policies that require no medical questions or exams, but these tend to be much more expensive and are often issued with less coverage.

If your policy requires an exam, don’t worry—it’s nothing to fear. Here we break down what happens so you’re prepared.

Why do I need to have an exam?

Your health plays a big role in determining the cost of a life insurance policy, so a medical exam is important. Insurance companies price the policy based on your life expectancy. If you are young and very healthy, your life insurance is going to be very inexpensive. If you have a medical condition the insurer takes that into consideration, but Quotacy shops around to make sure you get the best policy.

» Compare: Term life insurance quotes

If you are young and very healthy, your life insurance is going to be very inexpensive. If you have a medical condition the insurer takes that into consideration, but Quotacy shops around to make sure you get the best policy.

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What happens during the exam process?

Examinations are free of charge to you. The certified professional examiner comes to you where it is convenient, like at your home or workplace. You can schedule it for when you are prepared and available.

The exam will consist of:

  • Providing your medical history and that of your family’s (mom, dad, siblings)
  • Recording your height and weight, blood pressure and pulse
  • Obtaining a blood sample
  • Submitting a urine sample

What are they testing for?

The insurance companies use the blood and urine samples to test for HIV, smoking status, and the health of your heart, liver, and pancreas.

» Learn more: What Does a Life Insurance Medical Exam Test For?

What happens after my exam?

Your results are sent directly to the insurance company where an underwriter will examine the findings and fit you into a category known as a risk class. The risk class you fall into determines the pricing.

» Learn more: What Is a Risk Class and How Does it Affect Me?

You do not have to be the perfect human specimen to qualify for affordable life insurance; if you do have any conditions (e.g. diabetes, history of cancer, heart issues) we shop your medical profile around to the insurance companies with work with to find you the best price. There are times in which someone is declined for life insurance, but your Quotacy team will work hard and uses every resource available to find you coverage at a premium that fits your budget.

If you are approved by the insurance company for the product and pricing you applied for, we will collect some signatures and a premium payment from you at the time of policy delivery. Your policy will be delivered to you via email, unless the insurance carrier does not offer e-delivery; in this case the policy would be mailed.

If the insurance company does not approve as applied, we will work with you to find an affordable option to protect your loved ones.

No one ever anticipates needing to use life insurance, but the unexpected happens. Be prepared and get a free and anonymous term life insurance quote today.

» Calculate: Life insurance needs calculator

About the writer

Headshot of Natasha Cornelius, a life insurance writer, for Quotacy, Inc.

Natasha Cornelius

Writer, Editor, and Co-host of Quotacy's Q&A Fridays

Natasha is the content manager and editor for Quotacy. She has been in the life insurance industry since 2010 and has been making life insurance easier to understand with her writing since 2014. When not at work, she's probably studying and working toward her Chartered Life Underwriter (CLU) designation while throwing a tennis ball for her pitbull mix, Emmett, or curled up on her couch watching Netflix. If it’s football season, the Packers game will be on. Connect with her on LinkedIn.

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