Does Life Insurance Require Physical?
12689 POINTSview profileTed RatliffOwner, SFS Associates,It depends on age, face amount and the company. Usually if you are applying for a $100000 policy or grater the company will at least require a paramedic exam. Smaller face amounts do not usually require a physical unless you are older. Each company is different on their requirements so it is best to consult a good agent who can help you with your specific needs.Answered on April 20, 2013flag this answer.JPG)
63333 POINTSview profilePeggy MaceMost of the U.S.There are a number of life insurance companies that do not require a physical for some or all of their products. If you are in relatively good health, an adult but not yet a senior citizen, you can get over $250,000 without a paramed exam with a few companies.Answered on April 25, 2013flag this answer
10968 POINTSview profileTim WilhoitOwner, Your Friend 4 Life, Brentwood TNIt depends on the face amount of life insurance and type of policy but no life insurance company requires a full physical. The underwriters that need physical information use what is called a paramed exam. This is a nurse that comes to you at no expense to you. She will ask medical questions, usually take blood and urine samples, blood pressure, height/weight and possibly an EKG. Most exams last less than 30 minutes.Answered on December 7, 2014flag this answer
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