 This is an important announcement. If you're between 50 and 85 and worried about your loved ones, you can still get affordable life insurance for peace of mind. My life insurance coverage is guaranteed, and I was not required to get a medical exam. I had high blood pressure and diabetes, and I got my coverage with one telephone call. No exam necessary. I'm a smoker, and I wanted to take care of my family. I called to get my life insurance and my affairs in order. I wanted to do the right thing.