where can i purchase instant, online/no medical exam life insurance or
final expense insurance while being a resident of new york state--
i've found sites like this but they seem to exclude new york state
residents-- please help!!!

Most insurance companies operate in 47 states, and have a separate
company for New York residents.  Contact any A+ or higher rated
company and you will probably be sold a policy.  Keep in mind,
however, the larger the face amount underwriting questions will be
asked.