Some companies are more "forgiving" of smokers or diabetics than others.

If you want a policy fast without the hassle of a medical exam (for those who qualify), Haven Life—backed by the stability of —offers a streamlined online experience. You can often get a quote and full coverage in the time it takes to finish your morning coffee. 4. Guardian: Best for Specialized Coverage

Check A.M. Best or S&P ratings to ensure the company can pay out claims 30 years from now.