This quotation is for final expense life insurance. Final Expenses policies are permanent, which means that the death benefit never decreases and premium payments never increase. The policy cannot be cancelled as you age or health changes. These policies are whole life insurance which also means that they accumulate cash value which can be drawn upon or used for premium premium payments. 99% of these policies do not require a health exam. No one comes to your house and there is no blood lab test. There are just a few health history questions to determine eligibility.