It depends on your age and health. Some insurers may require everyone over age 30 to take a physical, and they may require everyone applying for more than $50,000 of life insurance to take a physical.
However, these requirements may vary by life insurance company.
There are some insurers that offer no exam life insurance plans with graded benefits the first two years. These are usually for people ages 45 to 80.
In addition, there are insurers offering instant issue life insurance plans with no health exam for healthy people who want to get quick coverage.
For instance, National Life Group offers people age 20 to 60 up to $350,000 of term life insurance protection with no health exams required. You can get your instant life insurance quote, apply online for your policy, and start your life insurance coverage today, if approved.