Does Term Life Insurance Require A Medical Exam? 
Some Term Life Insurance requires an exam and some Term policies do not . There are No Exam Term Life policies for up to $ 500,000 . Therefore , you could get several policies and get up to $ 1,000,000 of coverage without having to take a paramed exam , if you wish . For those with perfect health , taking an exam can usually save you some money . However , if you are overweight or have other minor health problems , No Exam Term can be surprisingly competitive . For some people , the inconvenience of having to take off work to do the exam , or a dislike of needles , is worth the slightly higher price of getting nonmed Term Life . There are many life insurance policies that do not require a physical . Please do not hesitate to drop me an email if you 'd like to see some options . 