Can anyone recommend a company that will sell me a $50K insurance policy that won't try to upsell me on term/policy amount? I was shopping around recently and got some good quotes but they all want to sell me $100K or more and that requires scheduling a visit from a nurse for a physical, etc. Being self employed, my free time is very limited and I don't feel like wasting it on that. I don't have kids or a spouse and that won't be changing. A $50K policy is more than enough to pay off my Jeep and final expenses which is all I want. That way, if I die my parents can have my assets free and clear. I see no sense in going with $100K or more insurance even if it is only a $1 more a month.