Yes, you will have to undergo a medical exam if you want a traditional life insurance policy. This is because if you die soon after getting a large policy, the insurance company will have to pay out millions in some cases. They improve their chances by giving you an exam, which helps them figure out how risky you are to insure.
There are, though, a few insurance companies that will give you up to $1,000,000 in life insurance without making you undergo an exam. There are also policies like final expense policies that have smaller death benefits, but are approved based on a simplified issue, which means you don’t have to undergo a medical exam.