When we got our life insurance, we did not have to take a medical exam. It was strange looking back on it. But we did have to answer all kinds of questions about our health which is seriously the way it should be, I think. I don’t really think that people with pre-existing medical conditions should be excluded from receiving life insurance. I mean seriously, if Tim were to die of a long illness, would that somehow make my need for the life insurance money less relevant? NO! Perhaps moreso! What a crazy idea! So, if you need life insurance but aren’t sure you would qualify because of the doctor’s exam, check out life insurance no medical .