Can I get term life insurance without a medical exam?

Yes. Accelerated underwriting term policies use health questions and electronic records instead of an exam, can issue within days, and can reach coverage limits in the millions of dollars on some products. Simplified issue requires only a health questionnaire and usually tops out around $50,000, and guaranteed issue asks no health questions and is typically capped near $50,000 with a graded death benefit of two to three years. High coverage amounts or data mismatches can still move an application into full underwriting.