Whether a medical exam is required for a life insurance policy brokered through Progressive depends heavily on the specific policy type, your age, and the coverage amount selected. While traditional underwritten term life policies often require a paramedical exam (including blood and urine lab draws), Progressive's partner network also provides access to accelerated underwriting or simplified issue options that eliminate physical exams for healthy applicants seeking lower death benefit tiers, relying instead on digital medical databases and health questionnaires.
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