Whether or not a life insurance company requires a medical exam from people who are applying for insurance really depends on the company's underwriting requirements. Insurance companies' criteria are based on how old you are and how much insurance you're applying for.

Generally, an adult in their mid-30s applying for $100,000 of life insurance would not need to undergo a full medical exam, but might need to have urine and blood samples taken. Some companies require at least a urine specimen from everyone applying, no matter what the amount of the policy is.

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