Most term policies through work are on a simplified or even guaranteed issue basis, meaning there's no medical and limited or no health questions to answer. (bestliferates.org)
Many companies will offer coverage with no waiting period on a guaranteed issue basis for large groups. (growingfamilybenefits.com)
This is also done on a guaranteed issue basis and adjusted to a new age, however, this doesn't renew annually. (insurechance.com)