The medical exam is paid for by the life insurance company.
Usually, it's a paramed examiner who comes to your home and asks some health questions, checks your blood pressure, and takes a sample of your blood and/or urine for testing.
Usually, life insurance testing will check for any legal and illegal drugs in your system, as well as, checking for tobacco use, high cholesterol, high protein levels, HIV/AIDS, STD's, etc.
Some of the drugs the tests may check for may include marijuana, cocaine, heroin, and methamphetamine, among others. For a full let you may want to ask the medical examiner or the insurance company.
In addition, there are life insurance plans that do not require you to take any medical exams, blood or urine tests. Learn more about life insurance with no blood tests and find out if you qualify for life insurance without having to take any health exam or testing.