Is A Physical Required For Term Life Insurance? 
There is a life insurance carrier that will offer up to $ 1,000,000 of term or permanent coverage with no physical exam if you are healthy . They offer this no exam option for clients who fall in the top two health classes . I have used this product for clients that need life insurance coverage in the shortest amount of time possible . Beyond that carrier there two that I know of that go up to $ 399,999 without and exam . Both can be done over the phone and often they can be issued in as little as 24 hours . 