Each insurer has their own set of requirements based on your age, health, and the answers to the quesitons asked when you apply for life insurance coverage.
Usually, people over 30, or those requesting more than $50,000 of life insurance will be required to take an exam, which is paid for by the insurance company.
However, there are several life insurance carriers that offer no physical exam life insurance policies for qualified applicants who are between the ages of 20 to 60, in in gapped health.
The amount of coverage available without an exam will vary by insurer.
Some even allow you to apply for coverage online and start your life insurance protection the same day - if you qualify.
Learn more about how to get life insurance without a physical exam.