As our girls get older, so do me and my husband. I hope we are with them for a long time, but I also want to plan for the future in case something happens to me or my husband I want to make sure my girls are taken care of. So I have been looking at no medical exam life ins at equote. I know we are healthy but if it does not require a medical exam, it seems to me that this might be the way we should go. Neither my husband or I smoke, nor are do we drink much alcohol and we certainly do not drink and drive. So I am sure we can get a quote that will give us a good rate.