Medical examinations are sometimes required when you purchase a
life insurance policy.
This helps the company more accurately asses the risk they are about to undertake.
If you buy a small policy at a younger age you may only be required to complete a "non medical form".
You know, they just ask you a few questions and that is it. Medical examinations are usually required for larger policies and at older ages.
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For Older Ages, Impaired Risks And Larger Policies
For impaired risks or for larger policies the insurance company may ask for an in-depth medical or probably a series of examinations. Here are some of the things you would need to provide them.
For smaller amounts of life insurance and if your medical history is good you may be able to get your insurance issued on a non medical basis. You would be asked some of the same questions as would be asked for the larger policies but you would not need a complete medical examination.
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I recently did some research on the development of the 30 year term insurance policy over the years. What I learned was quite interesting.
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