Actually, there are life insurance policies to protect your mortgage loan which do nit require any physical examination.
However, you will need to answer some questions about your health, which assists the insurance company in determining if you qualify for a policy.
Some insurers even allow you to apply direct online for your plan and start your coverage in as little as 24 to 48 hours, if you qualify.
Here's how to learn more about buying mortgage life insurance without taking a physical exam.