What Does A Life Insurance Exam Consist Of? 
The exact tests that are required for an exam a person will take will depend on several factors - their age , the amount of coverage they 're applying for , and the carrier they 're applying to . Each carrier has their own underwriting guidelines so some may have different exam requirements than others . For middle aged individuals , you will most commonly see an exam consist of 3 parts : 1 -RRB- Paramedical exam - checking your height/weight , your pulse , and going through the medical questions 2 -RRB- Blood Test 3 -RRB- Urine Test If you 're an older individuals -LRB- e.g. age 55 -RRB- , some carriers may also ask for an EKG to be completed with the other exam requirements . If you 're a senior -LRB- e.g. age 70 -RRB- , some carriers may ask you to complete a mature assessment -LRB- congnitive and physical movement testing - e.g. memory tests , walk a distance , etc. -RRB- . Exams typically take no more than a half hour or so and can be completed in the privacy of your own home -LRB- some people prefer their work place which is also acceptable -RRB- . You do n't have to go to a doctor 's office or a clinic to have the exams done . One recommendation is know which carrier and which of their programs you are going to apply for . You do n't want to take an exam before completing the application process because if you apply to another carrier than you may have originally intended , you may have to complete extra testing because that 2nd carrier may have more markers they check for -LRB- therefore extra exam requirements/tests -RRB- than the other carrier . Ideally , you want to have everything in order and make sure it 's right so you only have to do it once . Please feel free to contact me if you have any other questions . Thanks very much . 