Is A Physical Required For Term Life Insurance? 
You may or may not need to perform a medical exam in order to purchase a term life policy depending upon your age , the size of policy , and premium rates . Each insurance has different age and policy size combinations for when medical exams are needed , and the type of exam required : blood , urine , or other tests . You can also avoid physicals by identifying carriers that offer no exam policies , but expect to pay more in premiums . 