5 /5 Hula Steve (All Star Real Estate): I have been a real estate broker for 40+ years and even sold life insurance, for a few yrs, 25 years ago. I contacted Michael Gray after my term life policy premium started to rise from $43 a month to over $600 a month. Due to recent health issues I am not able to get a new insurance policy. Michael called my existing Life Insurance Company and after days and hours of being placed on hold, was able to get me a quote, no physical required, reduced benefit amount, but was the most I could hope for. $100,000 at $262 a month, but does increase yearly. Take my advice, contact this guy and let him take care of your life insurance needs while you are still young and healthy! Much cheaper in the long run!