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I’m not a churchgoer myself but FWIW https://www.cnn.com/2016/05/16/health/religion-lifespan-health/index.html

@612to907 GarysSword mentioned that premiums for insurance with exams are typically lower than those without exams, hence my comment since I expereinced the opposite. Your point about groups is abundantly clear. Like I said, there are clearly many factors and it's not easy to have apples to...

@marked I’m commenting on how biased and invasive the process is, not the length of time.

It's interesting then that the quotes I'm getting as an individual with exams are higher than my employer group options with no exams. I would have thought exams mean more accurate, and less risk. It seems like there are too many factors and I can't really compare apples to apples. I'm also...

@612to907 They said it would be 30, and mine took 45! The person on the call had to list out every single disease or mishap or drug under the sun. It took forever.

For the last 20 years of my career I've used life insurance through my employers and none of them required a physical. I'm now thinking of being self employed and want continuity so am applying for insurance on my own. Some providers (for example NYL) want physicals, blood tests, 45 minute...