Yes, you can. However, the cost is usually greater since the carrier knows less about your state of health than with an exam (blood and urine sample, mostly). At Term.com and LifeInsuranceToday.US, we start with those that require exams. Why? Because most consumers want to pay the least amount possible for life insurance, and that leads directly to life insurance with exams as part of the process. Most people are not averse to the blood and urine sampling process as may be thought. Of course, some have reasons for not wanting to get poked with a needle, but when I show them the cost difference almost all of them realize that the no exam approach comes with higher cost. I personally talk with hundreds of applicants every year and about 5 to 10% of them want to skip the exam and simply pay more. I try to “argue” them out of it, but in the end you might say that the customer is always right. Of course, as a professional, I present all of the options, but it is ultimately my client’s choice.