What Is A Life Insurance Physical Exam? 
A life insurance physical exam is an exam done to satisfy the underwriting requirements for a medically underwritten policy . It is usually done by a paramed company that has offices across the country . The person being insured usually has the exam done at their home or place or work , but they can go in to the paramed office , if they like . Most life insurance exams involve a blood test , urine test , measurements , vital signs and health questions . 