The insurance company asks about your height and weight to specify if you are overweight and as such at risk of passing away during the term of the policy. A term policy is the simplest form of life insurance wherein the policyholder is covered for a predefined period. Irrespective of wherever you live, whether in an apartment, studio, loft, condo, town house, duplex or a single family home, renters insurance helps you to cover your belongings, besides any liability which you may need to incur if your property is damaged. Several policies offer you coverage for most of the risks that could potentially take placem but there are actually some risks which may not be covered. Many of the companies provide their quotes for free. When choosing the term of your policy the options are 10, 15, 20, or 30 years of life insurance coverage. So, if you are trying to squirm out of the medical, forget it. Prices are already much lower than they were about a decade ago, and they are still going lower, as more inventions are being made. Be updated with the status of your company, and decide whether it’s still a good idea to invest on them. If the policyholder has incurred any debt during his lifetime, a policy cover will help his spouse/family to repay the debt. Term life insurance helps a person to get the ultimate deserving money after a certain period. However, if you lie about it, your beneficiaries will not get that amount too, and the premiums paid will be forfeited leading to financial loss. Anything more than that is simply not practical and should not get in the way of you feeding your loved ones while you’re still in existence.