Having you own life insurance is recommended. It is better to be insured than nothing. We don't know what will happen for tomorrow, so with no exam term life insurance you will be sure that you can get your own safety at a very affordable investment. It is better to have it now than later. I am planning to search more on this too, as they don't need medical exam. There are lots of insurance company that needs a lot of supporting documents before you can enroll. I don't want to get stress on it. I want easy, affordable and accessible one. So will try to check more on this one!