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You Also Need To Qualify For Life Insurance No Exam Life insurance can present you with a baffling choice of options in the form of policy and features available. Of these, people with a medical condition are usually advised to buy life insurance no exam option. However, is it really worth it? Developing An Effective Strategy To Get Low Cost term Life Insurance Do not try to hide that you smoke. If you die from smoking-related illness, the carriers may withhold claims. Some carriers take up such issues more objectively and provide coverage at relatively low term life insurance cost. Look for them instead. Proper Planning Is The Only Precondition For Receiving Low Cost Term Life Insurance Do not try to hide that you smoke. If you die from smoking-related illness, the carriers may withhold claims. Some carriers take up such issues more objectively and provide coverage at relatively low term life insurance cost. Look for them instead. 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