Getting life insurance is a real hassle, but a necessary one, especially if you have kids. We did it a while back and the most annoying part was the exam. Even if they come to your home and do it, it's a pain. If you could get life insurance no exam that would definitely be better for the consumer but how could the companies afford to do this?
To me this sounds similar to the home loans that caused all our bank problems of late. Companies taking more risk to get the sale and then not being able to back it up. Personally I would be a little leary of companies that offer that.
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