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Can I purchase life insurance for our family without a physical exam?

We have a new baby and we both need to be insured. Is it possible to purchase affordable life insurance without a physical exam? $200,000 insurance policy?

Public Comments

1. It all depends on the amount you are looking to be insured for. If you are looking to be insured for $2,500.00 you probably would not need a physical exam, but if you want to be insured for $1,000,000.00 - more often than not the insurance companies will want the exam performed.
2. You can purchase up to 150,000 of term life without exam if you can answer no to five health questions and have proof of a mortgage. Up to 100,000 without proof of a mortgage. What do you consider affordable? Rates are based upon your age, tobacco status, etc.
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