Do major insurance companies like State Farm and MetLife offer life insurance without a medical exam?

Yes, many major insurers offer life insurance without a medical exam. These policies come in three basic forms: accelerated underwriting, which uses online records such as pharmacy and driving history instead of an exam and offers coverage amounts closest to traditionally underwritten policies; simplified issue, which relies on a health questionnaire and typically allows moderate coverage amounts; and guaranteed issue, which asks no health questions but caps coverage at much lower amounts, charges more per $1,000 of coverage, and often carries a graded death benefit.