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Getting life insured means an agreed sum will be given to the beneficiary should the inevitable happen. While life insurance also takes care of disabilities, what is usually focused on is the loss of life. Although the real good ones require medical tests to know whether one is insurable or not, these people are not left without option. The term life without medical exam kind of coverage is good for those who are sick but it is ok since no exam shall be taken. The benefit is smaller than usual too, at least there is something. Coverage is short and premiums are cheap.