According to www.doityourself.com, some people mistakenly choose special life insurance policies that do not require a medical exam. Byron Udell states in the article, "While it may be more convenient to buy insurance that way, it will cost you a fortune in the long run. These policies are significantly more expensive than their fully underwritten counterparts because the insurance company isn't being given the opportunity to really evaluate its risk."
If you are nervous about your life insurance medical exam, check out the article What to Expect: Your Life Insurance Medical Exam. It will give you a list of common questions asked and procedures performed for your life insurance medical exam.
I have seen the difference in cost between a no-exam policy and one that requires an exam, so it’s worth it tom me to “suck it up” and get my blood drawn, etc. I think some people try to get these “no-exam” policies due to poor health. The sad part is, if there’s a significant medical history, the no-exam company won’t insure the person.