How Much Life Insurance Can I Get Without A Physical? 
It 's going to depend on how much you want to pay for the insurance ? Depending on the state you can get around 250,000 in coverage without providing blood or urine , but it will cost a great deal and you will still be subject to your medical history in review . An insurance `` physical '' in the vast majority of cases is stepping on a scale , having your blood pressure taken , Pluse , answering health questions both current and past . Providing a blood sample and a urine sample and that 's about it . 30-45 minutes . So you can get a fair amount of coverage without meeting wtih an examiner , but you 'll pay the highest possible rate to do so . What you have to figure out is avoiding a 45 minute meeting worth years of overpaying for coverage ? 