When it comes to life insurance, "no medical exam" is a welcome phrase for those looking to get this type of coverage without getting probed or prodded. Many life insurance providers do offer "no medical" policies, but the fact is that there are many appealing plans out there that require you to get a medical exam first.
If you have a job, your employer may be able to offer you basic life insurance "no medical" protection as well as additional options. Starting a plan is usually simple because the employer takes care of most of the paperwork - and you typically don't have to get a medical exam. You can probably pay via automatic deduction from each paycheck, and the coverage begins automatically.
However, if you have a checkered medical past (lots of serious health problems) or are currently going through a major illness, you might have trouble getting insured, even by your employer. In that case, you can try something called "guaranteed issue" life insurance. This is a type of policy that requires no exam, but charges you higher premium rates in return for the guaranteed coverage. Since the insurer doesn't know your medical condition or history, it is taking on more risk by covering you, so it will charge you more. While that may not sound like fun, it's unfortunately the only viable option for some people.
If you are having a hard time finding a guaranteed life insurance policy, you may want to get an insurance broker to look for you. The broker's job description includes finding insurance for clients, no matter what their medical past or present looks like.