Yes. If you’re young and healthy, you can probably buy a $100,000 20 year term policy for about $100 a year or less. You, however, do not seem to be healthy.

Changing to monthly payments, though, adds about $10 a month to the cost, so you’re best off just paying in full.

Those “no exam” policies are low value – usually $10,000 limit – AND they have a condition on them – you must live AT LEAST two full years after the policy goes into force, before they’ll pay out.

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