Skip To Content
Blog Get a Quote

Life insurance medical exam: What to expect

To get the most affordable rates for life insurance, you will usually need to take a medical exam. Here is how to schedule and prepare for it.

Woman sitting at her desk doing research on the computer

When shopping for life insurance coverage, as with anything else, most of us are searching for great value. Securing a policy that’s a great value generally means it provides a combination of quality, robust coverage and good pricing relative to similar products.

If there were a perfect way to describe medically underwritten term life insurance, it would be “a great value.” For most people who need coverage — which is usually individuals who have young families who rely on them financially — medically underwritten term life insurance provides coverage at an affordable price during the years your family needs it most. Yes, there have been technology advancements in the life insurance industry to, in some cases, provide medically underwritten life insurance without a medical exam. For eligible applicants, we offer this type of coverage and experience at Haven Life. But the reality is that many people need to take a life insurance medical exam in order for us to provide them with their final rate.

If you need to take a medical exam to get life insurance, this means you are on the path to getting coverage that’s a great value and some much-needed peace of mind that your loved ones are financially protected.

Learn what to expect from your life insurance medical exam, why it’s needed and what your options are for completing the exam.

In this article:

Why life insurance companies require a medical exam

Pro tip: You can use recent life insurance medical exam results

Good news: If you have taken a life insurance medical exam in the past two years, it’s likely we can use those results to provide your final offer and rate.

If you’d like for us to access results from a recent life insurance medical exam, please reach out to customer success for assistance.

It’s not just easier life insurance, it’s an easier life.

Learn about the perks that come with being a Haven Term policyholder.

Explore Haven Life Plus

Your medical exam options

If you’re ready to schedule your medical exam, you have a couple options:

#1: Have the examiner come to you

*Currently, mobile exams are not available in New Hampshire, Rhode Island, or Vermont.

#2: Visit an exam center

Haven Life: Life insurance that’s actually simple

Why Haven Life?

The answer to that question is easy (which is exactly how Haven Life makes applying for term life insurance)

Learn more

What to expect during the medical exam

The exam itself takes about 20 to 30 minutes.

When you schedule the medical exam for your insurance policy, you will be asked about:

Then, the paramed will:

The insurance company pays for the exam so it doesn’t cost you anything other than time.

Pro tip: If you’re feeling nervous about the exam, schedule it to take place wherever you’re most comfortable.

What our customers say about the exam

How to prepare for a life insurance medical exam

At least one week before the health exam:

24 hours before your medical exam:

On exam day:

Other medical exam do’s and don’ts:

After the medical exam:

Not interested in taking a medical exam?

Meet Haven Simple, a no-medical-exam-required*** life insurance product from Haven Life.

It’s a 100% digital buying experience for those who want coverage without a medical exam.

Haven Life: Life insurance that’s actually simple

We have your back (and MassMutual has ours)

The Haven Term policy is issued by MassMutual, an industry leader with over 160 years of experience.

Why Haven Life
Default author headshot

About Brittney Burgett

Brittney Burgett is the marketing and communications director at Haven Life, a customer-centric life insurance agency backed and wholly owned by MassMutual. She joined the startup more than five years ago as one of the first ten employees and oversees external communications, content, SEO and various other growth marketing initiatives. Brittney is a passionate leader who believes that managing your financial life doesn't need to be intimidating or complicated and brings that philosophy to all the editorial and brand work at Haven Life. Prior to her role at Haven Life, Brittney worked in public relations, her client list included brands in the tech, food and nutrition spaces.

Read more by Brittney Burgett

Our editorial policy

*If the life insurance rate you’re assigned isn’t the one you expected, you can always ask your insurer to reconsider your rate class if your health has improved. (This will likely entail going through another health exam.) You can also apply for a new policy later, though that also will likely entail undergoing another exam, and means you will go without coverage

**If you are offered a policy and accept it, your temporary coverage payment will be applied toward your first month of full coverage. If you do not accept or get declined, you will receive a full refund.

***You must be truthful when applying for Haven Simple. Failure to disclose important information could result in the non-issuance of policy, or non-payment of the death benefit.

Our editorial policy

Haven Life is a customer centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.

Our content is created for educational purposes only. Haven Life does not endorse the companies, products, services or strategies discussed here, but we hope they can make your life a little less hard if they are a fit for your situation.

Haven Life is not authorized to give tax, legal or investment advice. This material is not intended to provide, and should not be relied on for tax, legal, or investment advice. Individuals are encouraged to seed advice from their own tax or legal counsel.

Our disclosures

Haven Term is a Term Life Insurance Policy (DTC and ICC17DTC in certain states, including NC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Haven Term Simplified is a Simplified Issue Term Life Insurance Policy (ICC19PCM-SI 0819 in certain states, including NC) issued by the C.M. Life Insurance Company, Enfield, CT 06082. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in California is OK71922 and in Arkansas 100139527.

MassMutual is rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of Aril 1, 2020 and is subject to change. MassMutual has received different ratings from other rating agencies.

Haven Life Plus (Plus) is the marketing name for the Plus rider, which is included as part of the Haven Term policy and offers access to additional services and benefits at no cost or at a discount. The rider is not available in every state and is subject to change at any time. Neither Haven Life nor MassMutual are responsible for the provision of the benefits and services made accessible under the Plus Rider, which are provided by third party vendors (partners). For more information about Haven Life Plus, please visit:

You might also like

Get our most-read stories, twice a month

.newsletter-msg-success, .newsletter-msg-error { display: none; }

What our customers are saying

Sign up for our newsletter

Get our most-read stories, twice a month

Thanks for signing up. See you in your inbox soon.