Can I get life insurance without a medical exam if I'm over 50?

Yes. Several no-exam options are open to buyers over 50. Simplified issue policies ask health questions but skip the physical; guaranteed issue policies ask no health questions and are available to applicants up to about age 80; and employer group life usually requires no exam. AARP members 50 to 74 can buy no-exam coverage through New York Life, though at more limited amounts. The tradeoffs are lower coverage limits and higher premiums than on medically underwritten policies.