In most cases, yes, you will need a medical exam along with a medical questionnaire. The medical exam will be conducted by a paramedical professional that the insurance company will send to your home for your convenience and privacy. The exam is like a physical, recording your blood pressure, height, and weight, and often requires providing a blood and urine sample.
The questionnaire will ask you about your general health, your family health history, occupation, financial net worth, and your habits, including exercise and smoking. It’s important to be as honest as possible. Lying can be cause for your carrier to deny paying a claim to your beneficiaries after your passing.
We work with many carriers and can usually find coverage for people in less-than-ideal health, who smoke, or who work in jobs that carry more risk than normal.