Can seniors get term life insurance without a medical exam?

Yes, though options narrow with age. Insurers that skip the medical exam generally review health questions and third-party data instead, and some move older applicants or large coverage requests into full underwriting. Guaranteed issue policies ask no health questions and cannot be declined for medical reasons, and some insurers make them available to applicants well into their 70s and 80s, but coverage amounts are small and a graded death benefit typically applies for the first two to three years.