Not every life insurance policy requires a medical exam. For example, the policy I get from work as a benefit didn’t require an exam. However, that isn’t the norm. The majority of life insurance companies require some type of exam.
Don’t freak out.
Worry about the medical exam is NOT a valid reason to skip out on getting a policy. In fact, the medical exam is pretty easy. While the steps and actually activities at the appointment may vary, they typically consist of the same tests.
You will first be asked to provide a detailed medical history. That means it is a good idea to know all of your doctor information and either have or know how to get your records. That will help the process go fast and smooth.
Just like with a normal check-up, you will have to get weighed (yuck) and then your height and blood pressure will be checked. Next you will donate some blood and probably some urine. The exceptions might include EKG, treadmill test, and some additional lab work.
That’s it. The end.
It is worse getting check for a cold!
There isn’t a reason to be worried. If anything, think of how great you will feel once it is over.