Does Term Life Insurance Require A Medical Exam? 
This will depend on how much life insurance coverage you are looking to buy . If you are looking for an amount of $ 300,000 or less you can usually find term life insurance that does not require a medical exam . This is called simplified issue term insurance . It is generally more expensive than fully underwritten life insurance . If you are looking for amounts higher than this , you will need to undergo a medical exam to qualify for insurance coverage . 