The only exclusion in life insurance policies is the "suicide exclusion." If you kill yourself in the first 2 years, the company will not pay a death benefit, but will return the premiums paid. After that, you are fully insured. Falling off a cliff, murder (Lori Vallow didn't collect on her husband, but his parents did), cancer, the flu. Insurers may not issue you a policy if you have Covid-19, but that is an underwriting decision. Just like diabetes, heart problems, or cancer. They don't want to "buy a risk." Insurers will check your health history and may very well require a physical.
I just checked the policies advertised by AARP, and they return premiums if you don't live 2 years. Enough time to make sure you are pretty healthy. They also do underwriting.