There are "non med" life insurance policies that do not require an examination, and even some policies that require an exam will exempt low face amounts and/or children from having to take one. For instance, some carriers do not require an exam if you are buying $50,000 or less of life insurance.
The exam is free to the person applying for the life insurance policy, and can be done in one's own home, office or place of one's choice (including the exam company's office).
If the results are not as you expected, you may be able to take another exam or contest the results.
Term life insurance with no medical exam may offer coverage from $25,000 up to $350,000 of life insurance. In fact, you can apply online and start your life insurance today, if you are approved.