Traditional Life insurance is broken down into two basic types of insurance: Term (temporary) and Whole Life (permanent). Term coverage expires or renews after a set number of years (ie. 10, 20, or 30 years) and the premiums are lower than permanent insurance. Permanent coverage remains in effect for the lifetime of the insured and can be paid up in full within a shortened duration of time, or over a lifetime without an increase in premiums.

No medical life insurance requires no medical exams or needles and no medical reports. It is designed for those who are hard to insure, have been turned down before, or for those looking for a quick, easy way to get life insurance before their 90th birthday.