These plans may be accidental death insurance, which provides up to $1,000,000 of accidental life insurance if you die resulting from an accident. There is no medical exam and no health questions when applying for this type of life insurance.
In addition, there are guaranteed acceptance life insurance plans that offer up to $30,000 of simplified life insurance with no medical exam required for people age 78 and under.
Guaranteed acceptance life insurance usually costs a lot more than regular life insurance because it accepts applicants that may not qualify for regular life insurance coverage.
In addition, the rate you pay for guaranteed life insurance will be much higher than for regular life insurance protection.
However, if you have been turned down for other life insurance plans, or have no other option available to you, this may be a type of life insurance to consider.