Our insurance agent told us that his company is lowering their rates on term life insurance policies and we would not find a better deal than this. I was a little skeptical at first, but since neither of us have any life insurance; I thought that we should check it out. My wife and I made an appointment to sit down with our agent and see what he could offer us and find out if it was really as affordable as he was saying it was.

Our agent also brought some literature on other types of insurance that are available. I was interested in the no medical life insurance policies, since it seemed like you could set it up really fast. I am not too keen on doctors and the thought of having a physical, to get approved for this low rate term life insurance, was not sitting well with me. My wife was only looking at the numbers and not at the fact that we could set up the no medical life insurance much quicker. I did not care about spending a little more money, if it meant not having to go to the doctors.

In the end, I won the argument and we did not get the term life insurance that required the physical. I think that it only ended up being a couple of hundred dollars more and over time, it really does not seem like a lot of money.