Very satisfied customer! And here’s why. It’s 6/13/18 and I just got off the phone with a senior account person about my application & acceptance. I’m almost 60, male, overweight for height, non-smoker, taking 2 meds to control Type II diabetes, 1 med for anxiety, and 1 to help blood pressure…..and I got a policy issued without medical exam for $48 a month: $50,000 10-year term! My son is a sophomore in college and is beneficiary so for the next 10 years I can live with dignity knowing that he can bury me and get $43,000 to financially move forward in life! My income is limited so this policy/company is absolutely perfect for me and our future. You must get a quote from them as a better health record for me would have only cost $37 a month!