What Happens At A Life Insurance Exam? 
What happens at a life insurance exam depends on your age , the life insurance company , and the face amount of the policy for which you are applying . If you are young and applying for a small policy , it is possible that all that is needed is answering of medical questions , or a urinalysis along with that . For most people that apply for a medically underwritten life insurance policy , a blood and urine sample are taken ; measurements , weight , blood pressure , pulse , etc are taken ; and health questions are covered . For middle aged to senior persons , a resting EKG may be added . For very large face amounts , the requirements may add include a treadmill EKG for older persons , or possibly a full exam by the applicant 's physician . 