However, the requirement for a physical exam for life insurance may vary by insurance company, depending on the person's age, health, and amount of life insurance needed.
There are some insurers that now offer no exam life insurance which you can apply for online in a matter of minutes.
These no exam plans will require you to answer several questions about your health. Healthy individuals between the ages fo 20 to 60 may qualify for these no exam term life insurance policies.
In addition, there are guaranteed issue life insurance plans available for people ages 45 to 85. These plans do not require you to take an exam or answer any health questions.
Learn more about "Are Physicals Still Required for Life Insurance?"