Each life insurance company has it's own set of underwriting guidelines and requirements as to how much life insurance they'll sell you, before they require a paramedical exam. It's not a "health exam" by a doctor - it's a "paramedical exam", which is paid for by the insurance company.
Also, if you don't agree with the results you may be able to contest the results and request another exam.
You'll have to pick the life insurance company first, that is licensed to sell life insurance in your state, and then ask what the limit of life insurance is you can buy without any exam.
However, there are some life insurers that offer no exam life insurance with lower limits of coverage available up to $50,000 (or less), such as, Globe Life, Colonial Penn, Mutual of Omaha, AARP/NewYork Life, among others.
In addition, some insurers may offer up to $250,000 or more of life insurance with no exam, such as, Fidelity Life or Garden State, among others.
In addition, accidental death insurance may be available with limits of coverage up to $1,000,000 with no medical exam and no medical questions required.
Learn more about no health exam life insurance and find out if you qualify.