Random unsolicited endorsement: http://getethos.com was willing to write a $1 million term life insurance policy at a reasonable rate without requiring a medical exam or more than about 12 minutes of attention (over 3 days).
For term life insurance? If you've got a medium-term or longer status of residence (i.e. not a tourist status of residence) Japanese insurance companies will underwrite you, although they'll likely require an exam. It's paperwork intensive and mostly in Japanese. Work w/ agent.
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That’s what I was afraid of, and hoped to avoid. Thanks for confirming
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