I's an exam required by a life insurance company when you apply for a term life insurance policy.
The guidelines life insurance companies set for requiring a medical exam may vary depending on your age and the amount of life insurance you request.
For instance, some insurers may require a medical exam of each applicant requesting $100,000 or more of life insurance, or every applicant who is over age 35.
The medical exam may consist of a paramedical examiner coming to your home (at the expense of the insurance company) and checking your blood pressure, asking some health questions, and drawing some blood for testing. Or, the exam may require you visit a physician for a full physical exam.
In addition, there are life insurance plans that may offer you life insurance protection without you having to take any physical examination.
Here's how you can learn more about the term life insurance medical exam.