Is A Physical Required For Term Life Insurance? 
The need for a physical does not depend so much on the type of policy you buy , but the face amount for which you are applying . Both term and life insurance policies will require an exam if the face amount is large enough , and the number of tests done in the exam will increase if the face amount is very large . There are No Exam policies now that provide over $ 100,000 of life insurance , and sometimes their rates are very reasonable . This is especially true if you are somewhat overweight , have type 2 diabetes , or some other situations . Please do n't hesitate to contact me if you 'd like to avoid a life insurance exam , and want to see the lowest Term rates you can get . 