Other reasons medical exam may be required is if the person smokes or has a history of health issues, including but not limited to diabetes, high cholesterol, obesity, or chronic health ailments.
If you are young and healthy and looking for a small amount of life insurance under $100,000 of protection, you would usually not be required to tae a health exam.
But, the requirement for a health exam to qualify for life insurance will vary by insurance company. Each insurer has their own set of guidelines and requirements when it comes to taking a health exam for coverage.
In addition, there are insurers that offer life insurance plans with no medical examination required for healthy individuals between the ages of 20 to 60.
And, there are no exam, no health question life insurance plans with guaranteed acceptance for people ages 45 to 85.
So, although some insurers require an exam, there are other options available for no exam life insurance.
Learn more about life insurance with no physical exam required.