In order to get a term life insurance policy, most carriers ask the applicants to go through a free mini-medical exam.
A nurse/paramedic visits you at your location of choice; and depending on how old you are and how much coverage you have applied for, takes your blood pressure reading, draws blood, confirms your height and weight etc. The underwriter at the carrier depends on this to figure out how much risk an insurance company is taking in giving you a life insurance coverage. This plus a few other pieces of information on your health which are requested in the backend dictate what your premium is going to be.
A few reputable insurance companies forgo the medical exam part altogether, especially if you are in good health. They do, however, charge a little extra premium for this option. For those who are not comfortable with a medical exam, this can be a great option. Please keep in mind that this a privilege and not a right. If the other reports on you show bad health, this option of no exam may be withdrawn by the company.
When you run your quotes at our site, you may see no exam option from Principal Life and SBLI.