Term Life Insurance With a Medical Exam at MetLife

What MetLife Requires for a Term Life Policy

MetLife's term life plans typically ask for a medical exam as part of the underwriting process. The exam helps the insurer assess your health status and determine eligibility, rate class, and any potential exclusions.

When and Where the Exam Happens

Most applicants schedule the exam through a local MetLife agent or a partnered medical facility. The visit usually lasts 20–30 minutes and covers a physical assessment, blood pressure, and basic lab work such as a blood sample for cholesterol and glucose levels.

Key Information Needed During the Exam

• Personal and family medical history
• Current medications and supplements
• Lifestyle factors: smoking, alcohol use, exercise routine
• Recent illnesses or hospitalizations

Preparing for the Exam

Gather your medical records, list of medications, and any recent test results. Wear comfortable clothing and bring a water bottle. If you have a chronic condition, bring documentation from your healthcare provider to discuss during the exam.

How the Exam Influences Your Policy

Results can affect:

• Underwriting class (e.g., Standard, Preferred, or Sub‑Standard)
• Premium amount and rate stability
• Coverage limits and term length options
• Possible medical exclusions or riders

Alternatives for Those Who Prefer No Exam

MetLife offers a limited range of no‑exam term policies for applicants who meet certain criteria, such as a low age bracket or a history of excellent health. These plans typically have lower coverage limits and may require a questionnaire instead.

Next Steps After the Exam

Once the exam is complete, the underwriting team reviews the results. If approved, you'll receive a policy offer outlining the chosen rate class and coverage details. Review the offer carefully, ask questions about any exclusions, and then sign to activate coverage.