Is There Life Insurance That Does Not Require A Physical? 
Yes , but it depends on which state you live in as some states restrict these types of plans . Something to keep in mind when dealing with the purchase of insurance is the fewer questions an insurance company asks , the more expensive the policy will be . Skipping a examination means fewer questions , which comes back to price , which would be higher . I should also address what 95 % of an insurance `` physical '' involves . A medical examiner -LRB- usually a nurse -RRB- meets with you at your home or another place that works for you , They will take your blood pressure , check your pluse , have you step on a scale , ask about your medical history , draw some blood and collect a urine sample . Usually takes about 35 minutes or so . In cases involving large face amounts and an older client , a full medical exam may be done . It is also worthwhile to note that the cost of these exams are picked up by the insurance carrier . 