If you are young and healthy, you may not be required to take a physical exam when applying for a life insurance policy.
However, the amount of life insurance you need will also have an impact on your exam requirements.
For example, some life insurers may require a health exam of all applicants over age 30 or 35, depending on their health, and whether or not they smoke.
Or, if you are seeking more than $50,000 of life insurance, you may be required to take an exam.
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