If you look at people around you, you would find out that most of them who do not have life insurance policies have some issues when applying for life insurance. The first rule for life insurance approval is to submit their latest medical and health conditions. Unfortunately, this procedure makes some people quite in dilemma, because there are so many people have certain health problems, whether it is just overweight problems, allergy problems, asthma problems, or heart problems. Luckily for them, there are insurance companies that also provide life insurance no medical questions. That sounds easy. But you have to know that no exam life insurance is considerably more expensive than the usual ones.