What About Companies That Advertise No Physical Exam?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption