1. Can I get Life Insurance Coverage Without a Physical?

    Woman Getting A PhysicalYour current physical condition is one of the most important factors that life insurance companies consider when determining whether to approve you for a policy. For example, if you are a smoker or have been diagnosed with heart disease or have a chronic illness, you may have a more challenging time getting life insurance coverage than someone who has a better bill of health. Most life insurance companies require applicants to pass a medical exam before they will approve a policy, but not necessarily for all types of policies.