The answer depends on several factors, including your age and the amount of life insurance you need.
In addition, your health, lifestyle and tobacco use may play a role in determining whether or not you need a physical for life insurance.
Keep in mind, the exam is paid for by the insurance company. And, most are just 10 or 15 minute paramed exams performed in your home.
Also, by taking an exam you may qualify for a more affordable rate on your life insurance policy.
However, there are no exam life insurance plans available that allow you to apply for coverage online and start your life insurance immediately, if you qualify.
Learn about life insurance physical exams and buying life insurance without taking an exam.