How Much Life Insurance Can You Get Without A Physical? 
The most life insurance that I know of that you can get without a physical , in one policy , is $ 500,000 . This is at certain ages and within health parameters . Persons too young or old to get this much , or who have poor health , may have a cap of $ 25,000 or so . If you purchase life insurance from several different companies , you could get as much as $ 1,000,000 without a physical . 