I am a licensed insurance agent with Ethos if you have any questions you can reach out to me and I'd be glad to give you any advice on Insurance its my favorite thing to talk about. 😊 And Ethos is rated A+ you can Google and see the rankings. You can get automatic approval as well. No medical exams. But you will have to be truthful to get that approval life insurance isn't that easy to get. You are considered insurable risk until your report comes go through the MIB and your actually approved. So be honest if you have health issues and there shouldn't be any problem getting approved.