Most group life insurance plans require a physical if you want to increase the base or don't increase some small amount (it's usually around $10k) each year. The only exception is when you're new to the plan - that is, change employers. Then you're typically permitted to buy up to some amount (usually a certain number of times your salary), but only when you're first eligible. If you don't do the buy-up then when first eligible, you usually have to get a physical. And if you fail to do the incremental increase each year, you usually get locked into the amount reflected after your last increase - unless, of course, you do the physical.