This study analyzes the exposure of the human torso to electromagnetic fields caused by wireless body-mounted or handheld devices, and both near-field and far-field effects are considered. A generic body model and simulations of anatomical models are used to evaluate the worst case tissue composition with respect to the absorption of electromagnetic energy. Both standing wave effects and enhanced coupling of reactive near-field components can lead to a specific absorption rate (SAR) increase in comparison to homogeneous tissue. In addition, the exposure and temperature increase of different inner organs is assessed. With respect to compliance testing, the observed SAR enhancement may require the introduction of a multiplication factor for the spatial peak SAR measured in the liquid-filled phantom in order to obtain a conservative exposure assessment. The observed tissue heating at the body surface under adiabatic conditions can be significant, whereas the temperature increase in the inner organs turned out to be negligible for the cases investigated.