Life Insurance with 'no medical exam' - but needed one anyway

About 25 years ago I applied to a major life insurance company for a term life insurance policy. It was advertised as "no medical exam required, just a few health questions." I completed the paper form and mailed it in, and a couple of weeks later a completed a phone interview in which I basically restated the information I gave on the form, including the health questionnaire. I was told that the company would be in touch. About a week after that, I received a telephone call from a visiting nurse who wanted to visit my home to give me a complete physical exam for the life insurance. To make a long story short, I declined the in-home exam and called the insurance company to ask about the "in-home physical" and the "no medical exam." The answer was something like "we do not require a physical exam from one of our company doctors; we contract with an independent health assessor. So we are not giving you the exam." I ended up canceling the insurance application because I was livid about what I considered to be false advertising.

So has anyone been in a similar situation, but decided to go through with the exam? I now wonder what type of exam I may have had in my own home, how invasive it may have been, and what state of undress would have been required. It would have had a different dynamic, and perhaps I would have been more at ease in my own home. Thoughts welcome and encouraged!

She would have probably checked your blood pressure, pulse, taken small samples of blood to check your sugar and cholesterol numbers and check your urine for illicit drugs, etc. I doubt it would have been much more extensive being done at your home.

When I had completed enough of my post graduate medical training to be licensed but still had more to go to complete my specialization training, I found ways to supplement my income. One of the best was doing in home insurance physicals for insurance companies. The exam was pretty basic: blood pressure, auscultate heart and lungs and get a urine specimen. For high dollar policies they'd want an EKG, so I carried a portable machine. Each "history and physical " took 20 minutes...30 if they wanted an EKG. We scheduled 2 per hour and I had to drive to the next one, so leaving time for that.

Smart move to not go with them. If they are misrepresenting their application process - then they probably do the same on the coverage and claim process.

@Mas1978

To make a long story short, I declined the in-home exam and called the insurance company to ask about the "in-home physical" and the "no medical exam." The answer was something like "we do not require a physical exam from one of our company doctors; we contract with an independent health assessor. So we are not giving you the exam." I ended up canceling the insurance application because I was livid about what I considered to be false advertising.

Typical bait and switch!

A few years ago, my wife and I bought life insurance that required a home health assessment. It was clearly stated upfront what would happen, and the company did a great job of communicating with us during the entire process. A nurse contacted us to set up the in-home "exam". She did one of us at a time and completed the whole process on my wife before moving on to me. She checked BP, pulse ox, temperature, height and weight. We provided blood and unsupervised urine samples. She may have listened to our heart and lungs over our shirts, I can't remember for sure. Then she took a very lengthy and in depth health history & family history.

I knew upfront what to expect when she arrived, but I remember masturbating a lot before and after the exam, fantasizing about what might have happened and how that would all play out. Unfortunately, it was all very unexciting.