Term insurance is temporary life insurance that provides life insurance protection for a period of 10, 15, 20 or 30 years depending on the length of "term" you choose.
Term insurance without a medical exam means that you can apply for and purchase the term life insurance policy without having to take any health examination.
It means, there's no health exam, no blood tests, no urine tests, and no nicotine tests.
Basically, you just answer some health questions when you request your no exam life insurance quote, and if you decided to apply for the life insurance plan, there may be some additional health questions for you to answer so the insurance company can make their decision on whether to insure you or not, and how much to charge you for your life insurance policy.
Usually, there are are requirements to qualify for the no exam term insurance plan; such as, for people age 20 to 60. And, the amount of life insurance available without an exam may be limited to around $25,000 up to $350,000.
Keep in mind, life insurance policies come with a money-back guarantee which varies based on the state in which you live.
Here's how you can get term insurance without medical exam.