Short answer
Often, yes, because the insurer has less health information. Healthy people can usually get lower rates by taking the exam.
What Happens During the Exam
- Confirm your identity and review your health questionnaire
- Measure height, weight, blood pressure and pulse
- Collect a blood sample (cholesterol, glucose, liver and kidney function, nicotine and more)
- Collect a urine sample
- Sometimes an ECG, especially for older applicants or large policies
Insurers also usually check the MIB (Medical Information Bureau), prescription history and driving records.
USA Life Insurance Medical Exam: Quick Facts
- Exam cost to you
- $0 (paid by the insurer)
- Exam length
- About 20–45 minutes
- Typical checks
- Height, weight, BP, pulse, blood & urine
- No-exam types
- Simplified issue · Guaranteed issue · Accelerated underwriting
- Contestability period
- Usually 2 years
- Free look
- Usually 10–30 days
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Start the USA Life Insurance Medical Exam practice test →More USA Life Insurance Medical Exam questions
- Can I get life insurance with no medical exam?
- What is no medical exam life insurance?
- Can seniors over 60 get life insurance without a medical exam?
- What do they check in a life insurance medical exam?
- Who pays for the life insurance medical exam?
- What is a graded death benefit (Life Insurance Medical Exam)?
Disclaimer: This guide is for general information and is not financial, tax, insurance or investment advice. Exam details, fees, blueprints and product terms change. Confirm with the official organization or a licensed professional. Read our editorial policy.