What Medical Tests Are Required For Life Insurance? 
If applying for a medically underwritten life insurance policy , a paramed exam is generally given . For most applicants , this involves a blood test and urine test . If applying for a large face amount or if the applicant is past middle age , the underwriting requirements may also include a resting EKG , a treadmill EKG , or possibly exam by medical doctor . If applying for No Exam life insurance , none of these tests are required . 