For most people, the short answer is maybe. Life insurance is like a good pair of jeans—sometimes, you can slip right into it without a problem, but other times, well... the fit’s a little tighter and you might have to jump through a few hoops (a.k.a. medical exams).

If you're applying for a more traditional, fully underwritten policy, you might indeed have to undergo a medical exam. This will involve a health questionnaire, some basic vitals (blood pressure, height, weight), and sometimes a blood or urine sample. If you’re young, healthy, and asking for a modest amount of coverage, your chances of getting the "no exam" treatment are pretty good.

On the other hand, if you’re looking at something like a guaranteed issue policy (think of it as insurance without the fine print), there’s no medical exam required, but don’t expect the same wide coverage or low premiums. So, if you’re feeling lucky or just want a bit more peace of mind, a quick check-up could save you money and hassle in the long run.

In short, if you're in good shape, the exam may be a small price to pay for more options and lower premiums. But, if you're not in the mood for any tests, there are still ways to make it happen, just be prepared for a little extra cost.