I never thought about how hard it might be to get life insurance. I purchased mine a few years ago and it pays out 5 times my annual salary. No medical questions either. I was single when I purchased that. But I think I'm also going to purchase the extras in that plan to include my immediate family. When my son died this year I was under the impression that the insurance I purchased included family, so that it can pay for funeral costs. But I guess I didn't sign up for that option, since I was single at the time. Immediate family under my plan is covered up to $15,000. I pay $20 bi-weekly for my plan.