Many people got confused between health insurance and life insurance. Life insurance is not covering your health/medical expenses, it only covers risks that causes death or permanent disability of some body parts such as eyes, hands or feet. As for the policy itself this type of insurance is a lot more simple in terms and conditions, but it doesn’t mean that you have to be reckless in studying the policy though.

There could be a bit of problem when you propose a life insurance if you have a risky job or hobby such as acrobatic stuntman, sky diver, racer, rock climber, etc. but it doesn’t mean that you can’t have one, you can go through a negotiation with the company and maybe than you can arrange a special terms and conditions in the insurance policy depending on your capacity.