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5865 Ridgeway Center Parkway, Ste. 300
Memphis, TN 38120

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Why do many people getting life insurance in Tennessee need to get a physical first?

There are some companies that offer life insurance to Tennessee residents without requiring a physical exam. However, depending on your circumstances, it may be to your advantage to choose a policy that does require an exam. Riskbusters Insurance can help you explore your options so you can choose the best policies for yourself and your family.

 Why Are Exams Required Before Purchasing Life Insurance?

Life insurance companies make decisions based on risk. The longer you live, the better it is for the insurance company because they generally won’t have to pay out while you are alive. 

If you are not in the best of health, don’t despair. Your insurance agent can still help you find a policy with the best rates possible. There are even some competitive policies that don’t require an exam.

What Happens During an Exam

A physical exam for a life insurance policy can take place anywhere, including your home, a doctor’s office, or your insurance agent’s office. Most of the exam is questions. The examiner will want to know:

  • What is your history of tobacco, alcohol, and drug use?
  • What is your driving record?
  • Are you currently taking any prescriptions?
  • Have you ever been hospitalized?
  • Is there a history of cancer, heart disease, or other chronic conditions in your immediate family?
  • Do you have any dangerous hobbies?

You should prepare for the exam by gathering any records you have so that you can answer the questions easily.

Consult With Us

You have a lot of choices if you are getting Tennessee life insurance. It can be overwhelming, and you want to get the best policy you can. If you have any questions about life insurance or would like to compare policies, please call Riskbusters Insurance today.


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