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A common roadblock for people who want to buy life insurance is taking a medical exam. We get it, the thought of your health being evaluated can be an uncomfortable feeling.

However, it might not be as bad as you think. Plus, at that point in the process, it will be one of the last items on your to-do list.

Here’s a quick overview to help clarify the unknowns.

Important things to know:

  • It’s FREE and only takes 10-15 minutes
  • The carrier’s exam team will come to you
  • Pick a time, date, and place that’s convenient

What to expect during your medical exam:

  • Height and weight
  • Pulse and blood pressure
  • Blood and urine samples

What can happen if you don’t take a medical exam:

  • Higher rates and limited policy options
  • More medical records and questions
  • The approval process takes longer

You don’t have to be a perfect specimen to qualify for affordable life insurance. If you have medical conditions or a history of health issues, we shop other top-rated insurance companies to find you the best price for your situation.

» Compare: Term life insurance quotes

About the writer

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

Greg Lewerer

Director of Creative Strategy

Greg is Quotacy’s Director of Creative Strategy. He has an eclectic past from working on movie scripts to creating ad campaigns for major brands. His love of creative solutions drove him to strategy, and he now uses his powers to help families protect their loved ones. Outside of work, Greg spends his time off the grid hunting, fishing, camping, biking, hiking, and walking his dogs.