Do I have to go through another medical physical to increase my life insurance coverage?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 10, 2010

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Insurance Question from White Plains, NY

Asked on 05/10/2010

Do I have to go through another medical physical to increase my life insurance coverage? NULL

Answer given on May 23, 2010

Well, it depends. Sometimes you’re able to increase your coverage without a insurance medical exam, if you stick with the same company, and take advantage of specific situations in which that company allows an increase without an exam.  Ask about this at the time of purchase.

You can also purchase a new insurance policy without a medical exam, but the premiums are higher than if you allow the medical exam. The good news is that the list of underwriting questions is short, so certain questions that would have made the company decline you won’t be asked. BUT, if you die within the first two years of the policy, the death benefit will not be paid. Likely your premiums will be returned to your beneficiary, plus a tiny amount of interest.

You can generally increase your coverage at work, during open enrollment, as long as you haven’t reached the maximum for your job level, without an exam.

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