I’m looking for a insurance or finance expert who can answer the following questions: 1. What kind of pre-existing conditions can limit someone’s life insurance options? 2. Do pre-existing conditions make some people ineligible for life insurance? Or does it raise their premiums? 3. What alternatives does someone with a pre-existing condition have when it comes to finding life insurance? 4. Is a no-exam policy worth the added expenses? What are the drawbacks? Requirements: Must be a life insurance or finance expert.