The medical exam is paid for by the life insurance company.
The medical exam may include checking your blood pressure, taking a blood and/or urine sample, asking questions about your medical history, and perhaps a visit to a doctor's office for a full physical examination.
The medical exam is usually required for life insurance policies over $100,000 or if you are over a certain age, or have health issues.
In addition, there are insurance companies which offer life insurance without any medical exam needed.
Here's how you can learn more about life insurance medical exams and what to expect.