Are you required to take a physical exam to purchase life insurance?

Some life insurance companies may require you to take a physical exam in order to find out if you qualify to buy life insurance.

However, whether or not you are required to take a physical exam when purchasing life insurance may depend on your age, health, the amount of life insurance you need, and the life insurance company's guidelines for requiring a physical exam.

Usually, many life insurance companies will not require people age 35 and under to take a physical exam if the amount of life insurance their are applying for is $50,000 or less.

However, there are several insurers that now offer higher limits of life insurance coverage without any exam, such as, Garden State, Guaranty Trust, Met Life, Prudential, and others.

In fact, one "A" rated life insurance company now offers people age 60 and under up to $350,000 of term life insurance protection without any physical exam required. 

There are some health questions to answer, but if you do qualify you may be able to start your life insurance policy and coverage the same day you apply. And, coverage is available for 10, 15, 20 or 30 years, depending on your age.

Learn more about no physical exam life insurance policies.