Feasible life insurance is becoming harder to find as insurers are upping the ante with premiums and conditions for acceptance. Medical examinations are becoming the norm as insurers analyse the risk. Furthermore, insurers are becoming less interested in how healthy you are now and more intent on discovering what genetic issues may currently lie dormant in your body.

So it seems like a breath of fresh air when ING begin advertising their SureLife Plan. Always ready to tear apart any offering from banks and insurance companies, I began delving through the paperwork to try and explain the concept in terms that anyone could understand.

The first difference you notice with the the SureLife Plan is that ING doesn't require a medical examination for acceptance. Their only distinctions for premiums are your age bracket and whether you're a smoker or non-smoker.
They will also only cover you up to $500,000.

At a second glance, you're mystified to the reasons for their competitive rates. As most insurers are forcing a plethora of paperwork to be signed and the information they require exceeds the national census questionnaire, how can ING offer such reasonable premiums?

I think you can put it down to an insurer who's realising what the market wants (or in this case doesn't want) and is prepared to make worthwhile risk analysis. Most insurers want to iron out every abnormality in their risk assessments whereas it appears ING has realised that they are so minute they're not worth forcing the majority of consumers to suffer.