What Medical Tests Are Required For Life Insurance?

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   Peggy MacePRO

   Most of the U.S.

   If applying for a medically underwritten life insurance policy, a paramed exam is generally given. For most applicants, this involves a blood test and urine test. If applying for a large face amount or if the applicant is past middle age, the underwriting requirements may also include a resting EKG, a treadmill EKG, or possibly exam by medical doctor.
   
   If applying for No Exam life insurance, none of these tests are required.

   Answered on May 17, 2013

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