What is the cheapest term life insurance and do what you have to follow to get it? ?

Your best bet is to contact an insruance broker. Given your history of declined applications and medications you use, it is important to find a company that might not look at those things in their applications. Every company is different and has different requirements. A Broker can find a company that will suit your exact needs to make sure you put in a strong application.

Anytime you have any kind of undiagnosed condition or are on the waiting list for treatments you will almost always been declined for insurance. There are too many things that could go wrong, even if the condition isn’t life threatening, there is a slim chance the treatments might be. I’ve seen applications get declined for something as simple as waiting to see a knee surgeon. Knee surgery is not a major thing, however, if there are complications it can get ugly fast as an example.

Secondly, cheaper is not always better…expecially given the details of your situation. You want to make sure you are dealing with a good company and a good product. Think about toys that were made in China….wicked cheap and look the same on the outside as if they were made in North America, but once you get them you uncover this little thing known as lead poisoning from the paint they used (nothing against China, just a good example of why cheapest isn’t always better). Never surrender quality for price when dealing with financial products…this insurance could mean the difference between your family getting thousands of dollars or absolutely nothing but bills and debt.