You are provided a HIPAA form in the life insurance application which you must sign in order to give the life insurance company permission to access your health records.
Some No Exam life insurance policies never request medical records. And many medically underwritten policies do not request medical records for specific people that are middle age or younger, and appear to be in good health.
Keep in mind, no exam life insurance plans charge a higher rate because they may accept some applicants that might not otherwise qualify for life insurance requiring a medical exam.
Learn more about life insurance medical exams and how they work.