The exception is a group offer, most often through your employer which would provide you with group term life insurance while you are employed and your family members might be able to be added to your coverage for a small amount of life insurance, depending on the plan.
Each insured person will need to complete a health questionnaire (truthfully answered), and based upon the size of the life insurance policy, and the age of each person, an exam is not always required. On larger life insurance policies (for example, over $100,000) it is a common and simplified medical exam, paid for by the insurance company.
Life insurance are usually either single or joint(spousal), unless it's a group life insurance policy through your employer. So you'll probably need to get several life insurance policies.
Medical examinations are required depending on the amount of coverage and the answers you give throughout the application for the life insurance coverage. So, each insurance company may have their own requirements regarding who would need to take a physical exam.
If you're younger and apply for a small amount of coverage, you probably won't need a medical.
Here's how you can learn about life insurance no medical exam plans and review leading providers of life insurance that does not require any physical exam, just a few health questions. If you qualify, you may be able to start your life insurance policy the same day.