Usually, a physical exam is not required unless you are in need of $100,000 or more of life insurance, or you are over a certain age.
There are several personal factors that will affect your approval for life insurance including your age, health, family health history, occupation, hobbies, driving record, height-to-weight ratio, and whether or not you smoke, etc.
In addition, there are no exam life insurance plans that do not require a physical exam, blood or urine testing. These plans usually offer lower amounts of life insurance, and the premiums are higher than for regular life insurance policies requiring a physical exam.
Some no exam life insurance plans offer up to $500,000 of life insurance coverage and you can get an instant quote, apply online, and if approved, you may start your life insurance the same day.
Here's how you can apply for term life insurance online and find out if you qualify for coverage without any medical exam.