It depends on your age, health, the life insurance company underwriting guidelines, and how much life insurance you want to buy.
Usually, a sample may be taken of your urine and/or blood if you are over age 30 or requesting more than $100,000 of life insurance coverage.
The urine sample is taking to check for nicotine/cotinine, smoking, HIV/AIDS, STD's, Diabetes, Illegal or prescription Drugs, High Cholesterol, High Protein Levels, or other health issues which may affect your acceptance for life insurance, how much life insurance is offered, or what rate you will pay for your life insurance policy.
However, there are some life insurance plans that offer life insurance coverage without requiring the applicant to take a physical exam or testing.
This is called no exam life insurance which is simplified issue life insurance where no exam is required, but there are some health questions for you to answer. Your approval is based on your answers to a health questionnaire.
You can get an instant life insurance quote and apply online for the no exam life insurance coverage. If approved, you may be able to start your life insurance policy the same day.