1. Your age and the amount of life insurance.
2. The underwriting guidelines of the insurance company.
3. Your health.
If you are young and in good health, you may be able to buy up to $100,000 of life insurance without any physical exam.
However, most life insurance companies will require a physical exam when an applicant is requesting more than $100,000 of life insurance.
The medical exam may be a paramed that checks your blood pressure, takes a blood sample for testing, and asks additional health questions.
Or, you may be required to take a full physical examination from a doctor. Both types of physical would be paid for by the insurance company.
There are some insurers that offer life insurance with no medical exam, no blood or urine tests.
In fact, you may be able to qualify online for up to $500,000 of life insurance without having to take a physical exam. And, if approved, you may star5t your life insurance the dame day. But, there are some health questions you need to answer.
Here's how you can learn more about life insurance without a physical examination.