Most insurance policies require a medical exam before being issued. The medical exam is essential for assessing your overall health and what you may be at risk for, short-term and long-term. The information from the medical exam is what insurers use to set the premium for your policy, meaning it is in your best interest to get a medical exam to ensure you get the best applicable rate. If you have a serious pre-existing medical condition, you may fear you will be unable to get a policy or that your premium will be higher than most. Rest assured that this is not the case, and options are available for these specific scenarios.