Can seniors get life insurance without a medical exam?

Yes. Guaranteed issue life insurance requires no medical exam and no health questions, and you cannot be declined for medical reasons; such policies are commonly available to applicants up to about age 80. Coverage is limited, typically $5,000 to $50,000, and most of these policies carry a graded death benefit of two to three years, so a death in the early period may pay less than the full amount.