The best way to get a term life insurance policy with no medical exam is to search for, get a quote for, and almost buy the policy online. Even though the Internet makes it seem easy, getting a "no exam" term life insurance policy isn't always as easy as it sounds.
Life insurance companies require medical exams because they want to know what they're getting into. They want to know exactly who and what they're covering and how risky it is for them to cover you. Yes, a life insurance company can turn you down for a term policy, and a bad medical exam could give them a good reason to do so. But if you have one or two problems on your medical exam, like having smoked in the last few years, having high blood pressure, having high cholesterol, or being overweight, that doesn't always mean you'll be turned down. It might just mean that your premiums are a little bit higher than they would be if you didn't smoke and didn't have any health problems.
At the same time, life insurance companies that offer term policies without a medical exam might not offer the best protection. For example, if you died because of a certain health problem, your life insurance company may not give your beneficiary the cash death benefits you paid for. This could sneak up on you if you don't read the fine print, which is another reason why you should talk to a real life insurance agent instead of doing everything online.
If you want to buy term life insurance but don't want to go through a medical exam, wait a while. Stop smoking, bring down your blood pressure and cholesterol, and lose some weight. Not only will it help you pass a medical exam and get lower term life insurance premiums, but it will also help you stay healthy and live longer.
