 But what about your health issues? Don't they require a medical exam? That's the best part. There's no medical exam, just a few quick questions, and I was able to get coverage right over the phone. Plus, my rates can never be increased, my benefits can never be decreased, and my coverage can never be canceled. That's really great, Mom. But can you afford it? Yes. Rates start at less than a dollar a day, and when the time comes,