What is a life insurance medical exam?

Life insurance helps to protect people from risk, but that risk cuts both ways.

In order to determine the most appropriate level of premiums insurance companies employ a number of methods, including health assessments, to evaluate each applicant for life insurance.

A life insurance medical exam is used to determine the member’s current level of health so that the premiums can be determined and the risk assessed properly.

Some life insurance companies require medical exams for all policies, while others may also offer no exam life insurance policies. Be sure to research your options thoroughly before deciding on a company and policy.

See also: What is a health classification?