Most mortgage life insurance plans don’t require a medical examination.
Instead, the insurer will ask health related questions in the application to determine whether you are qualified for the insurance coverage.
If you have a pre-existing health condition, the life insurance company may require further information or a medical report from your doctor.
Please make sure that you are honest in your disclosure of your medical history information to prevent unpleasant surprises when your beneficiaries need to make a claim on your life insurance policy.
However, you should also note that the insurance company may also consider you too big a risk to cover and may refuse you coverage, or require a full physical examination depending on your age and health.