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The fact is that the low premium amounts will only give you a low policy. And it comes down to basic economics. People who tend to buy life insurance without a medical exam are among the riskiest people to be insuring. So for large policies, rates have to be correspondingly high.
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Next, look at how you are eating and sleeping. Are you eating foods that are rich in bone-building nutrients like calcium and magnesium? Are you eating enough protein for muscle tone? When you sleep, practice perfect spinal alignment - get rid of that old worn mattress and get a back friendly model that will help you improve your posture.
The information is also submitted to your MIB (Medical Information Bureau) file. Anyone who has access to the MIB files, now has access to all of that information. Who has access to the Medical Information Bureau records? Anyone, at any hospital around the United States, who has even a small amount of clearance, has access to the Medical Information Bureau records.