Since final expense plans are smaller (average is around $10,000) there is less risk for insurance companies so they typically only require answers to health questions vs. a full physical or medical exam. That’s great news!
If you think you need a larger policy, some insurers may require a health exam. Life insurance health exams are conducted by a trained nurse or medical professional and will usually come to your home for your convenience. The standard physical would include measurements of your height, weight, blood pressure, and blood or urine samples. It’s important to be honest since the tests will check for some illicit drugs, tobacco and also verify any medications you are taking.