What this means is that there are term life insurance providers that require medical exams, and there are insurance providers offering no medical term life insurance, too.

The reason many term life insurance providers require a medical examination is because term life insurance is a popular option among people who already have illnesses or who are already expected to die within a certain amount of time.

Policies that don’t require you to undergo a medical exam can be very convenient and enable you to get your coverage more quickly. Be aware, though, that you may still have to submit a blood or urine sample to the insurance company.