People without life insurance know the hardest part of getting insurance is the underwriting process. If you have a history of mental illness, alcoholism, heart problems or any number of concerning health issues it may be a good idea to purchase a life policy that doesn't require medical underwriting. Some simplified issue products may ask you about this type of health history but some employer group plans may be the best way to obtain term life insurance coverage that is affordable anywhere in the USA. If you are unsure of your situation take the time to speak with several different types of insurance agents that can help answer you difficult questions.