You may or may not have to take an
actual medical exam when you apply for
life insurance, but you will certainly be asked medical questions as part of the
life insurance application process.
Our advise it always to be as honest as possible during a
life insurance application, because its good advice and because there is a «contestability clause» to most if not all
life insurance policies that states that if you intentionally misrepresent yourself or your health on a
life insurance application, the
insurance company can decide later on not to «honor» the
actual policy.