The life insurance company can access your health information through the M.I.B. (Medical Information Bureau) to verify your health.
In addition, there are some insurance companies that offer life insurance plans without requiring a physical examination.
These no exam life insurance plans usually offer a limited amount of life insurance protection and the rate for the coverage is higher than you would pay through an insurer requiring a physical exam.
However, one insurer offers up to $300,000 of term life insurance with no exam and if you qualify, you may be able to start your life insurance the same day.