I have been on the fence about getting life insurance now, for about two years. I have seen the devastation of not having life insurance, first hand but not being able to come up with extra money to pay for it makes it difficult. My best friend’s parents were killed in an automobile accident and my friend was left to take care of the funeral and all their debt. She ended up having to sell the house that she grew up in and it still did not cover everything. I requested life insurance rates, very shortly after seeing this happen. When they came in, I was so sad to see that I really could not afford to buy any life insurance at this time.

I put the life insurance rates away in a drawer, thinking that maybe somewhere down the road, I would be making more money and be able to afford it then. I knew that having no medical exam life insurance would defiantly not work, since it was a little higher than the policies where you are examined by a physician to make sure that you are healthy.

I threw away all the quotes that were for no medical exam life insurance and kept all the rest. I am not sure how I will get to the physical, while taking off time from work, losing money from a job that does not pay well enough anyway, to afford life insurance.