Life Insurance Medical Requirements

UPDATED: Feb 25, 2020

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Many customers ask if they will need to take a physical or see a physician as part of the application process for term life insurance. The answer depends on factors such as the type of coverage, the amount of coverage and the age of the insured.

First, let’s take a look at a description for each type of exam required by most insurance companies:

  1. Paramedical Exam – A brief examination usually performed by a registered nurse or examiner at a time and location convenient to the insured. The exam usually consists of measurements (e.g. height/weight, blood pressure, and heart rate), body fluid samples (e.g. urine, blood) and a medical history questionnaire. The insurance company pays for the exam.
  2. Physician Exam – A more thorough exam conducted by a licensed physician, typically in the physician’s office. The exam typically consists of all elements of a paramedical exam along with additional testing. Examples may include EKG/ECG, Treadmill Test, chest x-rays, etc. The insurance company pays for the exam.

Type of Term Life Insurance

Regular term life insurance is the most common type of term life insurance issued and is often referred to as fully-underwritten insurance. Underwriting is the process by which the insurance company evaluates and assigns risk to an insured. One of the underwriting tools used by the company is a paramedical or physician exam.

QuickQuote also offers instant or simplified issue term life insurance through two companies, Liberty Life Insurance Company and Garden State Life Insurance Company. This product is unique in that paramedical exams or physician exams are not required. The application is completed online, and a decision is typically given within minutes. The cost of this type of term life insurance is often comparable to regular term life insurance for younger, healthy individuals.  However, the maximum coverage amount currently available is $250,000.

Amount of Coverage and Age of the Insured

As the amount of coverage and age of the insured increase, the likelihood of a physician exam being required also increases.  Take a look at the chart below (requirements from one of our partner companies).






Paramedical Exam



Physician Exam



Paramedical Exam



Physician Exam

At QuickQuote, we have dedicated Account Managers and Case Managers who will always communicate your specific requirements to you.  If you do not want to undergo any exam whatsoever, take a look at quotes for Instant Issue Term Life Insurance.


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