When we finished signing all the papers that were required to set up our term life insurance policy, we paid the first month’s premium and felt like we were preparing for the future. We had recently lost a friend of ours in a horrible accident and now after seeing his wife try and take care of the finances, the funeral costs and everything else without any money, we knew that we had to prepare for an instance like that, even though, we hoped that we would never need it.

The insurance company that holds our auto insurance does not offer any type of term life insurance in our state. I turned to a friend of mine who works in insurance, in a different state. She told me a few companies to contact; that she knew would do a good job for us. I asked her about a no medical life insurance policy and she said that even though it would be easier to set one up, it would end up costing us a bit more in the long run. She knew that both my husband and myself were very healthy and avoiding a physical, just to set up a quick no medical life insurance policy was probably not the way for us to go.