<prompt> Human: This seems like a stupid question to me - hes 51, has had a stroke aneurysm, and is morbidly obese 430 pounds - I cant imagine hed be eligible for any affordable life insurance since his 5 year survival outlook is grim. But my mom keeps getting junk mail that promises life insurance with no physical exam so she wants me to check it out as I say, shes worried about eventual funeral expenses So how can they offer term life with no medical exam? Im sure theres something huge Im missing  <response>: Does he have any dependents or do you want insurance only to cover a funeral? If it is just for a funeral, just save up the money and dont deal with insurance. 