[TroutStalker]

If she wanted to pay the premiums, my wife could take out a $1,000,000 policy on me tomorrow without telling me.

But it might be difficult for her to arrange the physical without your knowlege and participation.

[wideawake]

Depends on who is writing the policy. She could theoretically give them the paperwork from my annual checkup the day after my physical and submit it to the company.

Someone would be willing to write a policy - it would just be a question of the size of the premium.