How Long Does A Life Insurance Physical Take? 
It 's going to depend on your age and the face amount applied for . In most situations 30-45 minutes actually depending on your health . To speed up the process a person should have their doctor 's name , address and phone number handy along with the dates and what you were seen for . If you are taking any medications it is also good to have a list of medications , dosage and frequency available . For older applicants some carriers ask for a resting ECG to be done . With large face amount applications , the insured may be asked to go to a doctors office for a full exam . NOTE : The cost for these exams are paid by the insurance carrier , the applicant pays nothing . Also , the examination company is a independent 3rd party and does not represent the insurance company . They are just there to gather information and pass it onto the lab and insurance carrier . They do not speak for the insurance company and ca n't really tell you what is good or bad during your exam , as good or bad actually may be different between carriers . 