How does the life insurance medical exam work and what do they test for?
Answered by 5 licensed agents
During the exam, the examiner will usually collect basic information such as your height, weight, blood pressure, pulse, and medical history. Most exams also include blood and urine samples. Depending on your age, the amount of coverage requested, and the insurance company's underwriting requirements, additional testing such as an EKG may be required.
The blood and urine tests are commonly used to evaluate factors such as cholesterol levels, blood sugar, kidney function, liver function, nicotine use, prescription medications, and the presence of certain health conditions. Insurers may also screen for indicators of drug use and other risk factors that could affect life expectancy.
The purpose of the exam is not to pass or fail you. Instead, it helps the insurance company accurately assess risk and determine pricing. In many cases, healthy applicants can qualify for better rates based on the exam results. Even if health issues are discovered, there are often life insurance options available, although premiums may be higher depending on the findings.
Answered by Marc Frye on June 17, 2026
Agent Licensed in NV
Answered by Mary Brown on July 2, 2026
Broker Licensed in NJ
Answered by Don Lilly III on July 21, 2026
Broker Licensed in VA, CT, FL & 8 other states
Answered by Tim Cassidy on July 7, 2026
Broker Licensed in TX, AL, AR & 35 other states
Answered by David De Anda on July 2, 2026
Agent Licensed in TX, AR, AZ & 12 other states
Tags: How Life Insurance Works New to Life Insurance
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