Does Term Life Insurance Require A Medical Exam? 
Most Term Life Insurance polices do require a medical exam . There are `` nonmed '' policies that do not require an exam , and even some policies that require an exam will exempt low face amounts and/or children from having to take one . The exam is free to the person applying for insurance , and can be done in one 's own home , office or place of one 's choice -LRB- including the exam company 's office -RRB- . 