This will depend on many factors:
- Your age
- Your health
- The amount of life insurance
- If you have a primary care physician
- The insurance company underwriter
- The state where you live
Some insurance companies do have programs that do not require you take a medical exam and can approve your policy using your existing medical records. A licensed insurance professional can help you determine if these non-medical exam programs are right for you in your circumstances. Be aware that the final decision over whether a medical exam is required is up to the insurance company.
