Although, most life insurers will require an exam on anyone requesting $100,000 or more of coverage.
In addition, anyone over age thirty may be required to take a paramed exam.
However, there are several life insurance plans available without exams.
For example, there is instant-issue term life with no exams required for healthy individuals between 20 to 60 years old.
There are also guaranteed-issue permanent life insurance plans with no exam and no health questions for people ages 45 to 85.
So, it's up to you whether or not you want to take a physical to purchase your policy. Learn more about life insurance without physical exams.