Yes, there are whole life policies a 76 year old can buy without having to take any physical exams or answer any health questions.
These are referred to as Guaranteed Approval whole life insurance policies and they guarantee your acceptance for coverage, even if you have a pre-existing health condition.
These guaranteed plans usually offer a limited amount of coverage, up to $25,000 or less.
With guaranteed issue plans you can't be denied coverage due to your health.
If you meet the age requirements for acceptance, you can get insured.
One highly-rated life insurance carrier offers guaranteed whole life insurance for people between the ages of 45 to 85 years old.
Here's how to buy whole life insurance for 76 year olds.