Usually, if you are over 35 years of age, or you smoke, or you have health issues, you will be required to take a physical exam in order to find out if you qualify to buy life insurance.
In addition, if you are seeking more than $50,000 of life insurance, you may be required to take a physical exam.
The physical exam requirements vary by insurer, based on your age, health, and the amount of life insurance you need, among other things.
Learn about buying life insurance without a physical exam.