fact, or myth? you must go through a medical exam, or answer a long list of health questions, to get life insurance. that's a myth. final expense life insurance with guaranteed acceptance, from john hancock, never requires a medical exam or health questions. you can't be turned down for health reasons. next fact or myth: the average person doesn't need life insurance unless they want to leave an inheritance, or have kids living at home. also a myth. everyone has expenses that life insurance can help your family pay for: real costs like funerals, medical bills, and other debts. fact or myth? typical funeral services can cost nearly nine thousand dollars. actually, that's a fact. and social security only pays up to $255 to help with funeral costs. could your family pay the rest? final fact or myth: life insurance rates go up as your policy ages- and the amount of coverage you can get goes down or expires.