There are "non-medical" life insurance policies that do not require any health exam, and even some term life policies that require an exam will exempt low face amounts of life insurance coverage under $50,000, and/or children from having to take an examination.
The medical exam for a term life insurance policy is "free of charge" to the person applying for insurance, and can be done in one's own home, office or place of one's choice, including the exam company's office. The insurance company pays for the exam.
Some life insurers offer "instant issue" no-exam life insurance policies you can apply for online, and if approved, you may be able to start your term life insurance policy the same day.
In addition, some life insurance carriers offer up to $500,000 of no exam life insurance, but I think the largest amount of life insurance available without an exam may be up to $1,000,000.
Keep in mind, you can own more than one life insurance policy, so you may be able to get a lot more than $1,000,000 of term life insurance coverage without having to take any health exam.
Here are some life insurance plans with no exams that you can apply for coverage online today.