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Still Searching for Life Insurance

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Searching for life insurance shouldn’t be hard, but somehow I’ve made it harder than it probably has to be. I am just so cautious sometimes.

Here’s my dilemma, I need insurance without a physical or a blood test. I don’t have health insurance and I wouldn’t want anything being uncovered. My worry is then if there is something wrong with my husband or me it could be considered a pre-existing condition when we can get health insurance. Perhaps that would never happen – but so far I haven’t been able to find solid documentation otherwise. A lot of the “no physical” places almost seem like a scam (although I know they probably aren’t) but I am overly cautious.

Anyone out there purchase term life insurance with no physical and care to comment on the company (or even email it to me?). I could use a few thoughts from someone who has purchased from these companies before.

Thanks!!!