Can I get whole life insurance without a medical exam?

Yes. Whole life policies without a medical exam are sold as simplified issue, which uses a health questionnaire instead of a physical, and guaranteed issue, which asks no health questions. No-exam whole life coverage is typically capped at modest amounts, and premiums run higher than on medically underwritten policies because the insurer assumes more risk. Guaranteed issue policies usually carry a graded death benefit of two to three years, so beneficiaries may receive a limited payment if the insured dies early in the term.