Does Life Insurance Require Physical? 
It depends on the face amount of life insurance and type of policy but no life insurance company requires a full physical . The underwriters that need physical information use what is called a paramed exam . This is a nurse that comes to you at no expense to you . She will ask medical questions , usually take blood and urine samples , blood pressure , height/weight and possibly an EKG . Most exams last less than 30 minutes . 