What About Companies That Advertise No Physical Exam?
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UPDATED: Jul 16, 2021
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Life insurance is sometimes sold with the promise that no physical exam will be necessary. Such policies are often offered through newspaper or magazine ads or made available to members of professional or fraternal associations. The amount of coverage may be limited to small sums. As with other life insurance policies, there will be a period of a year or two (called the “contestable period”) when the company can modify or cancel the policy if it finds that the application did not fully reveal any relevant medical problems. Because the rates are sometimes rather high and the available coverage low, these plans are often used to supplement existing coverage, rather than provide the basic insurance.