You have probably seen advertisements in newspapers and magazines for life insurance requiring no physical examination, as a condition for getting insured. These policies are also known as “guaranteed issue” or “simplified issue” policies, with simplified issue insurance requiring that you just answer a few medical questions. On the surface of it, it seems like “no exam” is the type of life insurance that anyone would prefer. Why would I want to go to the trouble of getting a physical examination when so many companies seem very eager to sell me term life insurance no physical? Continue reading “Life Insurance No Physical-Think Twice”