What Does A Life Insurance Medical Exam Consist Of? 
Medical exams for life insurance underwriting will have different requirements depending on the age of the insured , the amount of coverage applied for , and the type of policy . There are Guaranteed acceptance policies that do n't require an exam at all . Usually they have some medical questions and the max coverage is low . Typically for up to a few hundred thousand dollars of coverage the requirement is just a small blood draw and urine sample along with blood pressure readings and medical questions . Larger benefit amounts may require an EKG etc. . 